| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $317K | $317K | 1.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $52K | $52K | 0.21% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1.1M | $11K | $1.1M | 23.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $60K | $5K | $65K | 9.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.32% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61K | $0 | $61K | 16.21% |
| JOHN CHRISTOPHER REYNOLDS3 | 655 SHREWSBURY AVENUE, SUITE 205 SHREWSBURY, NJ 07702 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $327 | $0 | $327 | 0.09% |
| JOSEPH A. SMITH3 | 655 SHREWSBURY AVENUE, SUITE 205 SHREWSBURY, NJ 07702 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.02% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.02% |
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 | 33,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 25,530 | $4.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 33,409 | $24.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 33,409 | $24.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 33,409 | $24.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,642 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,409 | — |
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.