| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $157K | $857 | $158K | 2.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 0.87% |
| AON CONSULTING INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 11.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 3.84% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 11.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 3.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 11.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.71% |
| AON CONSULTING INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 11.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | ARMADA CARE | $438 | — | $438 | 0.53% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 31.56% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 21.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 17.39% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK CT, STE 250 SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 20.51% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 31.33% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 17.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $378 | — | $378 | 3.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | — | $362 | 11.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $117 | — | $117 | 3.67% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,075 | $6.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,075 | $6.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,075 | $6.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 881 | $138K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,087 | $619K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 887 | $132K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,075 | $6.6M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 881 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.