| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $138K | — | $138K | 4.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $227 | $56K | 8.23% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 1.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $438 | $438 | 0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | DBA UNIVERS WORKPLACE 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $142K | — | $142K | 49.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $4K | $31K | 11.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING THREE ALLIANCE CTR | 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 4.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $3K | $30K | 11.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING THREE ALLIANCE CTR | 3550 LENOX RD NE STE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $2K | $21K | 11.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING THREE ALLIANCE CTR | 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.54% |
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 | 4,683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 322 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,219 | $683K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 2,219 | $3.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,522 | $253K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $268K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 764 | $176K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,522 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,522 | — |
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.