| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 4.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 551343 ATLANTA, GA 30355 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $913 | $913 | 0.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $45K | — | $45K | 40.07% |
| SHAWN NORTON3 Filed as: SHAWN P. NORTON | 1053 GARRISON LANE SOUDERTON, PA 18964 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 34.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 551343 ATLANTA, GA 30355 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $746 | $746 | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 551343 ATLANTA, GA 30355 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $428 | $428 | 0.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $659 | $2K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $33 | $1K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.02% |
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 | 913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 655 | $150K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 548 | $33K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $95K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $117K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
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.