| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF GEORGIA | $117K | — | $117K | 5.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $95 | $52K | 9.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 16.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 16.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 16.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $1K | $33K | 41.16% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $562 | $13K | 37.13% |
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 | 4,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,830 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,117 | $530K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,830 | $2.3M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,076 | $189K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $243K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 755 | $138K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,076 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,076 | — |
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.