| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.67% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.66% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 29.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $173 | $173 | 0.67% |
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 | 684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 882 | $284K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 302 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,709 | $354K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 312 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $222K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 446 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,709 | — |
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.