| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | SECURIAN LIFE INSURANCE COMPANY | — | $78K | $78K | 2.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $24K | $24K | 1.30% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127K | — | $127K | 8.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89K | $6K | $95K | 6.05% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154K | — | $154K | 11.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IA 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87K | — | $87K | 6.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 1.01% |
| ELIZABETH CUSHING3 | 74 TRESTLE LEAF FEARRINGTON POST PITTSBORO, NC 27312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137K | $10K | $146K | 14.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | $7K | $98K | 9.67% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $2K | $29K | 6.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $2K | $26K | 5.99% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS AN | AON COMPANY 897 12TH STREET HAMMONTON, NJ 080371363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 298490 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.0M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $193K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $146K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing Service code 12 | — | $99K |
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 | 7,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 7,172 | $766K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 13,030 | $4.0M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,038 | $2.6M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,689 | $1.8M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,679 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,030 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.