| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $9K | 8.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $912 | — | $912 | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $665 | — | $665 | 4.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 11.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138 | — | $138 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.4M |
| CIGNA NONE | Direct payment from the plan; Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $89K |
| MCGRIFF INSURANCE SERVICES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | $72K |
| AON CONSULTING NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | P.O. BOX 905494 CHARLOTTE, NC 28290 | $38K |
| AFLAC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | $11K |
| FIRST CITIZENS BANK & TRUST COMPANY NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | PO BOX 29522 RALEIGH, NC 27626 | $9K |
| ACA TRACK, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan 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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $108K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $30K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 97 | $420K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.