| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | THE HARTFORD | — | — | $0 | 0.00% |
| AON CONSULTING INC Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD | — | — | $0 | 0.00% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | THE HARTFORD | — | $25K | $25K | 1.22% |
| AON CONSULTING INC4 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD | — | $3K | $3K | 0.17% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MASSACHUSETTS MUTAL LIFE INSURANCE COMPANY | $77K | — | $77K | 20.00% |
| JOHN CHRISTOPHER REYNOLDS | STE 205 655 SHREWSBURY AVE SHREWSBURY, NJ 077024151 | MASSACHUSETTS MUTAL LIFE INSURANCE COMPANY | $340 | — | $340 | 0.09% |
| JOSEPH A. SMITH Filed as: JOSEPH A SMITH | STE 205 655 SHREWSBURY AVE SHREWSBURY, NJ 077024151 | MASSACHUSETTS MUTAL LIFE INSURANCE COMPANY | $85 | — | $85 | 0.02% |
| MICHAEL A BOOK | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTAL LIFE INSURANCE COMPANY | $68 | — | $68 | 0.02% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | $49K | $95 | $49K | 1295.87% |
| CFN AGENCY INC | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 30096 | MET LIFE INSURANCE COMPANY | $49K | — | $49K | 1293.36% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $7K | $7K | 182.46% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $12 | $12 | 0.32% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | $24K | $95 | $24K | 1999.09% |
| CFN AGENCY INC | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 30096 | MET LIFE INSURANCE COMPANY | $24K | — | $24K | 1991.25% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $3K | $3K | 276.90% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | MET LIFE INSURANCE COMPANY | — | $3 | $3 | 0.25% |
| CUSTOMER BENEFITS PROGRAM INC2 | 897 12TH ST HAMMONTON, NJ 080371363 | MET LIFE INSURANCE COMPANY | $6K | $556 | $6K | 2170.27% |
| CUSTOMER BENEFITS PROGRAM INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | MET LIFE INSURANCE COMPANY | $2K | $299 | $3K | 1540.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 5089 COLLECTION CENTER DR CHICAGO, IL 60693 | $16.4M |
| AON EIN 23-2293237 CONSULTING | Consulting (general) Service code 16 | 29695 NETWORK PLACW CHICAGO, IL 606731296 | $1.9M |
| BIND BENEFITS EIN 81-4560965 CLAIMS PROCESSOR | Claims processing Service code 12 | 3033 EXCELSIOR BLVD MINNEAPOLIS, MN 55416 | $915K |
| MCDERMOTT WILL & EMERY LLP EIN 36-1453176 ATTORNEY | Legal Service code 29 | 444 WET LAKE STREET, SUITE 4000 CHICAGO, IL 60606 | $448K |
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 | 24,444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 451 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | MET LIFE INSURANCE COMPANY | 31 | $5K |
| Life insurance | THE HARTFORD | 12,406 | $8.8M |
| Short-term disability | THE HARTFORD | 1,593 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 6,126 | $8.6M |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 2,978 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,952 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.