| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | UNIVERS WORKPLACE 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $185K | — | $185K | 23.18% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $251K | $15K | $266K | 39.93% |
| AUTONATION, INC0 | 200 SW 1ST AVE, 14TH FLOOR FORT LAUDERDALE, FL 33301 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.79% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $6K | $96K | 34.37% |
| AUTONATION, INC0 | 200 SW 1ST AVE 14TH FLOOR FORT LAUDERDALE, FL 33301 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $141K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $108K |
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 | 21,840 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 21,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 3,360 | $15.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 20,711 | $7.1M |
| Vision | EYEMED VISION CARE | 17,484 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,843 | $3.6M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,036 | $1.1M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 984 | $14.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,843 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,164 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.