| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | — | $76K | 13.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 29840 NETWORK PLACE CHICAGIO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 13.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.41% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.48% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 13.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROGRAMS INC AN AON | PO BOX 6718 SOMERSET, NJ 08875 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 20.49% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROGRAMS INC AN AON | PO BOX 6718 SOMERSET, NJ 08875 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 17.94% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG AN AON CO | PO BOX 6718 SOMMERSET, NJ 08875 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 21.06% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC AN AON | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $854 | $854 | 0.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.82% |
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 | 3,398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,956 | $233K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,333 | $611K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,333 | $641K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,333 | $582K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,481 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,333 | — |
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.