| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $197K | $197K | 2.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL INSURANCE COMPANY | $25K | — | $25K | 3.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 1.22% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $2K | $37K | 15.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $795 | $15K | 15.82% |
| AON CONSULTING INC3 Filed as: AON HEWITT-WASHINGTON, DC | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $3K | — | $3K | 3.76% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $662 | $27K | 39.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 3.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $101 | $101 | 0.15% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $340 | $18K | 49.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $269 | $2K | 17.84% |
| AON CONSULTING INC3 Filed as: AON HEWITT - WASHINGTON, DC | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $112 | — | $112 | 4.23% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $292 | $11K | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $77 | $2K | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,759 | $9.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,488 | $652K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,171 | $93K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,285 | $235K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 785 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 785 | $98K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 894 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,759 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.