| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $354K | — | $354K | 27.80% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 4.59% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 2.35% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $383K | — | $383K | 50.09% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 4.55% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROGRAMS, AON CO. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 2.99% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $241K | — | $241K | 59.71% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 4.59% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 2.99% |
| AON CONSULTING INC3 Filed as: AON | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $37K | — | $37K | 23.42% |
| ALIGHT SOLUTIONS5 Filed as: ALIGHT | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LEGALPLANS, USA | $4K | — | $4K | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $143K |
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 | 25,623 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 25,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,280 | $16.6M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 19,509 | $7.9M |
| Vision | EYEMED VISION CARE | 19,256 | $982K |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 28,488 | $5.3M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,258 | $1.3M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,280 | $16.6M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 25,479 | $854K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,962 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.