| 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 | $31K | $17K | $48K | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, ID 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 4.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.25% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | — | $68K | 58.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 58.98% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | — | $40K | 58.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, #1446 CHICAGO, IL 60675 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $633 | $50 | $683 | 3.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 20.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 7.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 2.48% |
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 | 1,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,666 | 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 | 1,159 | $12.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,159 | $12.9M |
| Vision | VISION SERVICE PLAN | 835 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,641 | $750K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,641 | $750K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,760 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.