| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 11.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 5.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 0.54% |
| CUSTOM BENEFIT PROGRAMS INC3 | 1 NORTH WHITE HORSE PIKE 2ND FLOOR HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 24.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3K | — | -$3K | -2.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $743 | $12K | 9.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 9.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 1.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. 4TH FL CHICAGO, IL 60601 | FIRST STOP HEALTH, LLC | $4K | — | $4K | 9.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $214 | $1K | 9.47% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $621 | — | $621 | 13.42% |
| MARSH & MCLENNAN AGENCY LLC4 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $166 | — | $166 | 3.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | $1K | -$371 | — |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $119K |
| Vision | VISION SERVICE PLAN | 212 | $21K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $180K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $188K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 256 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.