| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH ST CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.74% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $556 | $25K | 27.11% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $551 | $22K | 24.92% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $537 | $15K | 18.53% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROGRAMS INC AN AON | PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $1K | $20K | 48.81% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROGRAMS INC AN AON | PO BOX 409623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $21K | — | $21K | 55.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $342 | $342 | 0.91% |
| CUSTOM BENEFITS PROGRAMS UNIVERS WO3 | 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $110 | $110 | 0.29% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.02% |
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 | 2,130 | 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) | 2,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,638 | $224K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,129 | $788K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,926 | $216K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,129 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,129 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.