| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC | — | CIGNA | — | $54K | $54K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC | — | UNITEDHEALTHCARE | $8K | — | $8K | 7.49% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC | — | METLIFE | $2K | $1K | $4K | 4.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $3K | — | $3K | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | EYEMED | $1K | $23 | $1K | 9.17% |
| AON CONSULTING INC3 Filed as: AON HEWITT - PHOENIX, AZ | — | EYEMED | $128 | $3 | $131 | 0.80% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | — | ZURICH AMERICAN | $364 | — | $364 | 14.99% |
| CUSTOM BENEFIT PROGRAMS INC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 44.35% |
| CASSANDRA GREEN4 Filed as: CASSANDRA PRINKE | — | PRE-PAID LEGAL SERVICES INC | $701 | — | $701 | 36.78% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 164 | $1.8M |
| Dental | METLIFE | 266 | $84K |
| Vision | EYEMED | 172 | $16K |
| Life insurance | UNITEDHEALTHCARE | 129 | $108K |
| Short-term disability | UNITEDHEALTHCARE | 129 | $108K |
| Long-term disability | UNITEDHEALTHCARE | 129 | $108K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE | 129 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.