| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.52% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.08% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.36% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.07% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $661 | $24K | 69.55% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $387 | $387 | 1.10% |
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 | 1,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $35K |
| Vision | VISION SERVICE PLAN | 958 | $126K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,019 | $481K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $142K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,338 | $278K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,019 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,019 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.