| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE UNSURANCE COMPANY | $64K | $2K | $66K | 6.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 7.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | $2K | $65K | 39.45% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS | 7500 DALLAS PKWY, SUITE 550 PLANO, TX 75024 | COMBINED INSURANCE COMPANY | $26K | $17K | $43K | 35.84% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, SUITE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 14.76% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $447 | $6K | 10.22% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 17.05% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | — | $365 | $0 | 0.00% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $344 | $7K | 13.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $133 | $3K | 6.80% |
| LIFE INSURANCE CO. OF NORTH AMERICA3 Filed as: LIFE INSURANCE CO OF NORTH AMERICA | PO BOX 20643 LEHIGH VALLEY, PA 18002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $11 | $11 | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES , INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 6101 CARNEGIE BLVD CHARLOTTE, NC 28209 | $188K |
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | 540 WEST MADISON STREET CHICAGO, IL 60661 | $36K |
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 | 762 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $160K |
| Dental | UNITEDHEALTHCARE UNSURANCE COMPANY | 762 | $958K |
| Vision | UNITEDHEALTHCARE UNSURANCE COMPANY | 762 | $958K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 575 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 575 | $166K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE UNSURANCE COMPANY | 762 | $958K |
| Other | COMBINED INSURANCE COMPANY | 137 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
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.