| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $60K | $93K | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, ID 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $878 | $13K | 3.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $1K | $29K | 7.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $1K | $22K | 7.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 2.28% |
| CUSTOM BENEFITS PROGRAMS3 | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $671 | $21K | 17.28% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $421 | $16K | 20.80% |
| CUSTOM BENEFITS PROGRAMS3 | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $418 | $16K | 21.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $74 | $2K | 3.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | — | $4K | $4K | 8.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, #1446 CHICAGO, IL 60675 | KAISER FOUNDATION HEALTH PLAN INC | $961 | — | $961 | 3.70% |
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 | 1,460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | 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 | 1,185 | $15.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,185 | $15.0M |
| Vision | VISION SERVICE PLAN | 901 | $137K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,852 | $415K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,619 | $374K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,533 | $288K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 3 | $26K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,699 | $15.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,852 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.