| 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 | $111K | $16K | $127K | 18.46% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $75K | $9K | $84K | 25.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $13K | $1K | $14K | 10.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $684 | $684 | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W. COURTNEY CAMPBELL CAUSEWAY TAMPA, FL 33607 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $111 | $111 | 0.08% |
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 | 3,919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 7,786 | $321K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,584 | $848K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,758 | $471K |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 5,584 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,786 | — |
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.