| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $21K | — | $21K | 4.58% |
| SHANE CAMPBELL3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 9.84% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | — | $266 | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 9.57% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $362 | $21K | 63.24% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $305 | $17K | 59.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.27% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$77 | — | -$77 | -0.27% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 99.40% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 37.40% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $176 | $10K | 59.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.70% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82 | — | $82 | 0.92% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGAL ACCESS CONSULTING, LLC | $147 | — | $147 | 9.99% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8 | — | $8 | 13.11% |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $61 |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY | 669 | $460K |
| Vision | HUMANA INSURANCE COMPANY | 577 | $94K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $367K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 114 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $164K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 827 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.