| 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 | $3.4M | $370K | $3.8M | 23.23% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | UNKNOWN GREELEY, CO 80634 | UNUM INSURANCE COMPANY | $0 | $1.5M | $1.5M | 8.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $617K | $0 | $617K | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $60K | $60K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $232K | $232K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221K | $0 | $221K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $171K | $0 | $171K | 4.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $833K | $46K | $879K | 59.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152K | $0 | $152K | 10.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 0.55% |
| AON CONSULTING INC3 Filed as: AON INSURANCE | 304 PONCE DE LEON AVENUE, SUITE 100 SAN JUAN, PR 00918 | PLAN DE SALUD MENONITA, INC. | $53K | $0 | $53K | 4.80% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | 304 PONCE DE LEON AVENUE SUITE 1000 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $19K | $0 | $19K | 4.95% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | 304 PONCE DE LEON AVENUE SUITE 1000 SAN JUAN, PR 00918 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $351 | $351 | 0.31% |
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 | 75,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,059 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 77,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 318 | $1.5M |
| Dental | TRIPLE S SALUD, INC. | 60 | $382K |
| Vision | VISION SERVICE PLAN | 38,454 | $3.4M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67,379 | $13.7M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67,379 | $12.2M |
| Prescription drug(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 318 | $1.5M |
| Other(6 contracts, 6 carriers) | UNUM INSURANCE COMPANY | 67,379 | $30.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,379 | — |
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.