| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $3.0M | $327K | $3.4M | 23.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $535K | $0 | $535K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $32K | $32K | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $242K | $0 | $242K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $192K | $192K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $179K | $0 | $179K | 5.40% |
| AON CONSULTING INC3 Filed as: AON INSURANCE | 304 PONCE DE LEON AVENUE, SUITE 100 SAN JUAN, PR 00918 | PLAN DE SALUD MENONITA, INC. | $43K | $0 | $43K | 4.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | 304 PONCE DE LEON AVENUE, SUITE 100 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $18K | $0 | $18K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PUERTO RICO | 304 PONCE DE LEON AVENUE, SUITE 100 SAN JUAN, PR 00918 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $192 | $192 | 0.16% |
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 | 72,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,974 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 311 | $1.3M |
| Dental(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 311 | $1.3M |
| Vision | VISION SERVICE PLAN | 37,777 | $3.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67,474 | $11.9M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67,474 | $11.9M |
| Prescription drug(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 311 | $1.3M |
| Other(4 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 67,474 | $26.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,474 | — |
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.