| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 2.76% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $287 | $4K | 10.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $979 | $258 | $1K | 3.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $748 | $146 | $894 | 4.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 14.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29695 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $151 | $30 | $181 | 4.81% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9 | $9 | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.8M |
| CIGNA NONE | Direct payment from the plan; Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $87K |
| AON CONSULTING NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | P.O. BOX 905494 CHARLOTTE, NC 28290 | $38K |
| AFLAC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | $13K |
| ACA TRACK LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 995 N. PONTIAC TRAIL WALLED LAKE, MI 48392 | $9K |
| 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 |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $141K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $33K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $649K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.