| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $1K | $25K | 10.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 3.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $931 | $23K | 15.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 10.09% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $783 | $13K | 26.67% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 14.05% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 30.55% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $634 | $11K | 29.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $216 | $4K | 10.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $405 | $8K | 33.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $63 | $1K | 15.73% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGAL ACCESS CONSULTING, LLC | $461 | — | $461 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | — |
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 | 979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 628 | $95K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 979 | $423K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 274 | $45K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 979 | $201K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.