| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | $9K | $52K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $6K | $31K | 6.09% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $2K | $18K | 6.86% |
| NAYYA HEALTH, INC.3 | 215 PARK AVE. SOUTH 4TH FLOOR NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 3.84% |
| CUSTOM BENEFITS PROGRAMS3 | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $1K | $14K | 8.30% |
| NAYYA HEALTH, INC.3 | 215 PARK AVE. SOUTH 4TH FLOOR NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 6.07% |
| NAYYA HEALTH, INC.3 | 215 PARK AVE. SOUTH 4TH FLOOR NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 7.34% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $1K | $9K | 6.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $366 | $7K | 5.28% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $50 | $50 | 0.25% |
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 | 2,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 2 | $20K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 4,048 | $244K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,986 | $866K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,446 | $515K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 2 | $20K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,446 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,048 | — |
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.