| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, LLC | 5444 WESTHEIMER RD. #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $13K | — | $13K | 3.43% |
| AON CONSULTING INC3 Filed as: AON HEWITT - LOUISVILLE, KY | 29840 NETWORK PACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $3K | — | $3K | 0.90% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97K | — | $97K | 70.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | — | $59K | 55.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 70.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER RD. SUITE 900 HOUSTON, TX 770565306 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $31 | $7K | 10.45% |
| BOOK MICHAEL A3 | 530 5TH AVE. FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 5.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERCICES CENTRAL INC. | PO BOX 23004 GREEN BAY, WI 54305 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, LLC | 5444 WESTHEIMER RD. #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $58 | — | $58 | 2.76% |
| AON CONSULTING INC3 Filed as: AON HEWITT - LOUISVILLE, KY | 29840 NETWORK PACE CHICAGO, IL 60673 | EYEMED VISION CARE | $9 | — | $9 | 0.43% |
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 | 2,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 5,537 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,757 | $374K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 27 | $63K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 566 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,537 | — |
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.