| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $852 | $852 | 0.56% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 871104141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $552 | $552 | 0.55% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $496 | $496 | 0.57% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 65.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $537 | $537 | 1.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.15% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 65.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $62 | $62 | 0.63% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $3K | 1734.68% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 2555 E. CAMELBACK RD. 7TH FLOOR PHOENIX, AZ 850169256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $375 | $375 | 216.76% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 600751446 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $53 | $1K | 25920.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 2555 E. CAMELBACK RD. PHOENIX, AZ 850169256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $167 | $167 | 3340.00% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 2 | $5 |
| Dental | DELTA DENTAL OF NEW MEXICO | 520 | $204K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 561 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $88K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.