| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1111 METROPOLITAN AVENUE SUITE 400 CHARLOTTE, NC 28204 | AMERITAS LIFE INSURANCE CORP. | $17K | — | $17K | 3.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 13.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGIO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 1.86% |
| DWIGHT L PIERCE3 | BENEFIT TECHNOLOGIES DIV 145 20 WIGHT AVENUE, SUITE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| DWIGHT L PIERCE3 | BENEFIT TECHNOLOGIES DIV 15 1200 E TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 298490 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | $3K | $18K | 11.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $484 | $484 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $14K | $1K | $15K | 16.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 2.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 1.65% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST UNUM LIFE INSURANCE COMPANY | $2 | — | $2 | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | — |
No Schedule C service providers reported on this filing.
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 | 954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,240 | $573K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,287 | $0 |
| Life insurance(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 954 | $357K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 449 | $141K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 797 | $164K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 212 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,287 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.