| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 1447 AON MSC #17510 LINCOLNSHIRE, IL 60069 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79K | — | $79K | 19.79% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $445 | — | $445 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 8.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 6.50% |
| SHAWN NORTON3 Filed as: SHAWN P. NORTON | 1053 GARRISON LANE SOUDERTON, PA 18964 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 6.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $639 | $4K | 10.91% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 833 | $191K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $39K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,107 | $401K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,107 | $401K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,107 | $401K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,107 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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.