| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $4K | $52K | 0.41% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC DBA CA | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 0.22% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | COMBINED INSURANCE COMPANY OF AMERICA | $224K | — | $224K | 31.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $152K | — | $152K | 20.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 3.69% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | COMBINED INSURANCE | $196K | — | $196K | 67.19% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE | $84K | — | $84K | 28.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 13.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 13.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.40% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD. SUITE 300 ORLANDO, FL 328199510 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 820 GAYLORD ST DENVER, CO 802063721 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MW LTD D/B/A/ HUB INT'L GU | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.68% |
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 | 2,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,294 | $12.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,294 | $12.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $132K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,299 | $250K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 860 | $424K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 890 | $158K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,294 | $12.7M |
| Other(6 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 3,299 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.