| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 1.65% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28K | $28K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $28K | $28K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $19K | $19K | 1.34% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49 | $49 | 0.00% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 1.59% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $5K | $63K | 21.39% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.99% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $4K | $57K | 21.49% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.99% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $3K | $42K | 21.49% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $3K | — | $3K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.51% |
| RED GATE GROUP LLC3 Filed as: RED GATE | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $435 | $435 | 0.42% |
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 | 4,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,027 | $2.9M |
| Vision | EYEMED VISION CARE | 7,163 | $511K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,619 | $1.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,506 | $1.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,506 | $628K |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,941 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,027 | — |
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."
No prospect flags tripped on this filing.