| 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 INSURANCE COMPANY | $73K | — | $73K | 6.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606945135 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $12K | — | $12K | 3.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 7.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 7.71% |
| JOE FERNADEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $22K | 42.69% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $211 | $12K | 23.76% |
| JOE FERNANDEZ3 | 7500 DALLAS PHWY STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $982 | $17K | 43.47% |
| CUSTOM BENEFIT PROGRAMS INC3 | P O BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $164 | $9K | 23.55% |
| JOE FERNADEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $918 | $16K | 44.12% |
| CUSTOM BENEFIT PROGRAMS INC3 | P O BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $153 | $9K | 23.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606945135 | TUFTS INSURANCE COMPANY | $348 | — | $348 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES , INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 6101 CARNEGIE BLVD CHARLOTTE, NC 28209 | $170K |
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Contract Administrator; Float revenue; Participant communication Service code 12 | 540 WEST MADISON ST CHICAGO, IL 60661 | $30K |
| AON CONSULTING, INC EIN 22-2232264 BROKER | Other commissions Service code 55 | 29840 NETWORK PL CHICAGO, IL 60673 | $0 |
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 | 730 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 197 | $503K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $19K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $119K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.