| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | DBA UNIVERS WORKPLACE 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $228K | $0 | $228K | 62.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 23004 GREEN BAY, WI 54305 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 770565306 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.14% |
| MICHAEL A BOOK3 | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $261 | $3K | 3.28% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
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 | 4,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 5,602 | $1.6M |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 4,882 | $444K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 29 | $77K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,602 | — |
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.