| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $195 | $3K | 9.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | — | $379 | 1.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $806 | $176 | $982 | 3.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | — | $70 | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $606 | $102 | $708 | 4.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | — | $54 | 0.33% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 47.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122 | $21 | $143 | 4.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | — | $11 | 0.33% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8 | $8 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $56K |
| AON CONSULTING NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | P.O. BOX 905494 CHARLOTTE, NC 28290 | $38K |
| FIRST CITIZENS BANK & TRUST COMPANY NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | PO BOX 29522 RALEIGH, NC 27626 | $9K |
| ACA TRACK, LLC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 1285 WALLED LAKE, MI 48390 | $8K |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $117K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $29K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.