| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $672K | $35K | $707K | 42.34% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 2.79% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST STE 5800 ATTN DONNA JOHNSON DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $198 | $198 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $567K | $29K | $597K | 41.64% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40K | $40K | 2.78% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST STE 5800 ATTN DONNA JOHNSON DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $159 | $159 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $451K | $25K | $476K | 39.81% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 2.79% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST STE 5800 ATTN DONNA JOHNSON DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 53-0078070 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9.6M |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.9M |
| MERCER CONSULTING EIN 13-2834414 CONSULTING | Consulting (general) Service code 16 | — | $52K |
| AON EIN 36-2235791 ACTUARY | Actuarial Service code 11 | — | $51K |
| BDO USA, P.C. EIN 13-5381590 AUDITOR | Accounting (including auditing) Service code 10 | — | $49K |
| REMEDY ANALYTICS INC EIN 45-3151617 CONSULTING | Consulting (general) Service code 16 | — | $38K |
| CAMBRIDGE EIN 20-1353830 AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
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 | 25,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER PERMANENTE - SOUTHERN CALIFORNIA | 15,175 | $31.2M |
| Prescription drug(8 contracts, 8 carriers) | KAISER PERMANENTE - SOUTHERN CALIFORNIA | 816 | $26.9M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,175 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,175 | — |
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.