| 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 | $61K | $11K | $71K | 15.27% |
| BENEUSA LLC3 | PO BOX 1240 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 29840 NETWORK PLACE CHICAGIO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $10K | $68K | 15.27% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.44% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $4K | $33K | 14.56% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $444 | $444 | 0.19% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $5K | $35K | 17.70% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 2.31% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $3K | $32K | 22.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.82% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NC 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 54.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.56% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 51.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.31% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.40% |
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 | 3,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,559 | $160K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,262 | $426K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,262 | $508K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,262 | $468K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,262 | — |
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.