| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 7.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 2.53% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 10.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $556 | $2K | 2.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $358 | $896 | $1K | 2.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | $465 | $558 | 1.24% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $164 | $5K | 19.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $413 | — | $413 | 1.54% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $99 | $4K | 18.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $262 | — | $262 | 1.33% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $64 | $3K | 17.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 1.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | FIRST UNUM LIFE INSURANCE COMPANY | — | $95 | $95 | 2.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | FIRST UNUM LIFE INSURANCE COMPANY | — | $34 | $34 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INS COMPANY OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 376 | $272K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 376 | $272K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $45K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.