| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 1.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $304 | $304 | 0.02% |
| AON CONSULTING INC3 Filed as: CUSTON BENEFITS PROGRAMS AN AON CO | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $17K | — | $17K | 50.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | LEGALPLANS USA | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OR PUERTO RICO | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRIPLE S SALUD, INC. | $944 | — | $944 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5555 SAN FELIPE STREET STE 1500 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5 | $5 | 0.17% |
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 | 1,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 3 | $19K |
| Dental | TRIPLE S SALUD, INC. | 3 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,478 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,478 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,478 | $1.6M |
| Prescription drug | TRIPLE S SALUD, INC. | 3 | $19K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,478 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.