| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $112 | $67K | 16.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.28% |
| AON CONSULTING INC3 Filed as: AON CONSLUTING INC--KAREN BRACEY | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $38K | — | $38K | 9.99% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS INC DBA UNI | 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $121K | — | $121K | 60.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CORPORATION | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | $88K |
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,005 | $6.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,006 | $383K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,303 | $404K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,303 | $404K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,303 | $404K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,303 | $404K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,303 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.