| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 E RANDOLPH ST 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSNURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSNURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.75% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 7.79% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $239 | $2K | 2.78% |
| JOHANA IRAIDA OSUNA MONTIEL3 | AND OTHER VARIOUS BROKERS 5413 54TH WAY WEST PALM BEACH, FL 33409 | AFLAC | $4K | $128 | $4K | 5.95% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $3K | $20 | $3K | 4.83% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $2K | $22 | $2K | 4.04% |
| ORTIS ENTERPRISES INC3 | 14551 S TRAVEL DR UNIT 432 DRAPER, UT 84020 | AFLAC | $1K | $90 | $1K | 1.89% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $585 | $25K | 47.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $321 | $19K | 68.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.04% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $249 | $12K | 57.42% |
| MAHONEY AND ASSOCIATES3 | 1 MONARCH PL STE 1840 SPRINGFIELD, MA 01144 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 12.80% |
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 | 1,594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AFLAC | 235 | $189K |
| Dental | THE GUARDIAN LIFE INSNURANCE COMPANY OF AMERICA | 1,009 | $353K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,453 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,594 | $150K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 32 | $19K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,383 | $709K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,594 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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.