| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, IL 08037 | UNUM INSURANCE COMPANY | $409K | $29K | $439K | 75.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $190K | $15K | $205K | 70.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $12K | $2K | $14K | 11.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $399 | $399 | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $137 | $137 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. STE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $2 | $2 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $348 | $348 | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $186 | $186 | 0.62% |
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 | 3,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 7,762 | $317K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,140 | $776K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,114 | $413K |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 5,140 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,762 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.