| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $574K | $10K | $584K | 56.55% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 3.60% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $478K | $9K | $487K | 56.57% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 3.85% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $409K | $7K | $416K | 56.52% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 53-0078070 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9.8M |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.7M |
| MERCER CONSULTING EIN 13-2834414 CONSULTING | Consulting (general) Service code 16 | — | $64K |
| BDO USA, LLP EIN 13-5381590 AUDITOR | Accounting (including auditing) Service code 10 | — | $48K |
| AON EIN 36-2235791 ACTUARY | Actuarial Service code 11 | — | $34K |
| CAMBRIDGE EIN 20-1353830 AUDITOR | Accounting (including auditing) Service code 10 | — | $27K |
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 | 25,629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 239 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER PERMANENTE - SOUTHERN CALIFORNIA | 7,615 | $27.1M |
| Prescription drug(8 contracts, 8 carriers) | KAISER PERMANENTE - SOUTHERN CALIFORNIA | 846 | $24.4M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,615 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,615 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.