| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93K | $8K | $101K | 11.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 0.86% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $6K | $60K | 7.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.71% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC. | 897 12TH ST HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107K | — | $107K | 18.85% |
| JEWEL LYNNE LINDSEY3 | 4084 SE DIXIE ROSS ST STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66K | — | $66K | 11.60% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.88% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.60% |
| ERICA JULIAO FERRER3 Filed as: ERICA JULIANO FERRER | URB LEVITOWN LAKES CALLE LUZ O NB TOA BAJA, PR 00949 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $4K | $39K | 7.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.79% |
| CUSTOM BENEFITS PROGRAMS3 | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $3K | $70K | 18.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 10.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $822 | $9K | 11.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $794 | $794 | 1.07% |
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 | 3,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,007 | $117K |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 579 | $566K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,550 | $902K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,148 | $798K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 929 | $509K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,007 | $117K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,007 | $117K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,007 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,007 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.