| 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 | $217K | $8K | $225K | 15.98% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 4.98% |
| BIKE POWERED EVENTS LLC0 | 2165 DRUID PARK DRIVE STE 5 BALTIMORE, MD 21211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.17% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $166K | $6K | $172K | 20.33% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 4.95% |
| BIKE POWERED EVENTS LLC0 | 2165 DRUID PARK DRIVE STE 5 BALTIMORE, MD 21211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.29% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $104K | $3K | $107K | 24.37% |
| TEMPO HOLDINGS COMPANY LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 4.98% |
| BIKE POWERED EVENTS LLC0 | 2165 DRUID PARK DRIVE STE 5 BALTIMORE, MD 21211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.55% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $71K | — | $71K | 30.27% |
| ALIGHT SOLUTIONS5 Filed as: ALIGHT | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LEGALPLANS, USA | $2K | — | $2K | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $143K |
| WINFERTILITY, INC. EIN 13-4135949 SERVICE PROVIDER | Contract Administrator Service code 13 | ONE AMERICAN LANE TERRACE LEVEL GREENWICH, CT 06831 | $57K |
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 | 25,186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 25,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,244 | $18.3M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 19,953 | $8.3M |
| Vision | EYEMED VISION CARE | 19,335 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 27,037 | $5.5M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 320 | $67K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,378 | $1.3M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,244 | $18.3M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 25,028 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,805 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.