| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | THE HARTFORD | — | $198K | $198K | 1.08% |
| AON CONSULTING INC Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD | — | $55K | $55K | 0.30% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $44K | $44K | 1.29% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | THE HARTFORD | — | $20K | $20K | 1.10% |
| AON CONSULTING INC Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD | — | $5K | $5K | 0.30% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | THE HARTFORD | — | $20K | $20K | 1.10% |
| AON CONSULTING INC Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD | — | $5K | $5K | 0.30% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | $107K | $55 | $107K | 7.37% |
| CFN AGENCY INC | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 30096 | MET LIFE INSURANCE COMPANY | $107K | — | $107K | 7.37% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $8K | $8K | 0.53% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $3K | $3K | 0.19% |
| JOSEPH JEROME EHRLER | 5600 W 83RD ST STE 100 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $299K | — | $299K | 22.66% |
| AON CONSULTING INC Filed as: AON CONSULTING | 3550 LENOX RD NE #1700 EXB ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | $277K | — | $277K | 21.01% |
| SARA PENNELLA | 131 S DEARBORN 6TH FLOOR CHICAGO, IL 60603 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 1.76% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60603 | MET LIFE INSURANCE COMPANY | $51K | $55 | $51K | 7.23% |
| CFN AGENCY INC | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 30096 | MET LIFE INSURANCE COMPANY | $51K | — | $51K | 7.23% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $4K | $4K | 0.52% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $1K | $1K | 0.19% |
| CUSTOMER BENEFITS PROGRAM INC | 897 12TH ST HAMMONTON, NJ 080371363 | MET LIFE INSURANCE COMPANY | $11K | $1K | $13K | 15.36% |
| CUSTOMER BENEFITS PROGRAM INC2 | 897 12TH ST HAMMONTON, NJ 080371363 | MET LIFE INSURANCE COMPANY | $5K | $533 | $6K | 15.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSOR | Named fiduciary; Direct payment from the plan; Participant communication; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | 5089 COLLECTION CENTER DR CHICAGO, IL 60693 | $13.8M |
| AON EIN 23-2293237 CONSULTING | Consulting (general) Service code 16 | 29695 NETWORK PLACW CHICAGO, IL 606731296 | $1.5M |
| WELLDYNERX CLAIMS PROCESSOR | Claims processing Service code 12 | 500 EAGLES LANDING DRIVE LAKELAND, FL 33810 | $676K |
| METROPOLOTAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 200 PARK AVENUE NEW YORK, NY 10166 | $663K |
| BIND BENEFITS EIN 81-4560965 CLAIMS PROCESSOR | Claims processing Service code 12 | 3033 EXCELSIOR BLVD MINNEAPOLIS, MN 55416 | $598K |
| WOMBLE BOND DICKENSON EIN 56-0308470 ATTORNEY | Legal Service code 29 | ONE WEST FOURTH ST WINSTON SALEM, NC 27101 | $99K |
| MCDERMOTT WILL & EMERY LLP EIN 36-1453176 ATTORNEY | Legal Service code 29 | 444 WET LAKE STREET, SUITE 4000 CHICAGO, IL 60606 | $99K |
| RSM US LLP EIN 42-0714325 ACCOUNTANT | Accounting (including auditing) Service code 10 | 300 S TYRON ST CHARLOTTE, NC 28202 | $26K |
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 | 21,406 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 451 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | MET LIFE INSURANCE COMPANY | 11,454 | $2.3M |
| Vision | MET LIFE INSURANCE COMPANY | 39,722 | $3.4M |
| Life insurance | THE HARTFORD | 26,182 | $18.3M |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 558 | $3.1M |
| Long-term disability | THE HARTFORD | 1,608 | $1.8M |
| Other | UNUM | 1,019 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,722 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.