| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | KAISER FOUNDATION HEALTH PLAN INC. | $199K | — | $199K | 2.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147K | $59K | $206K | 5.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $110K | — | $110K | 3.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | $34K | $132K | 6.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 4.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $983 | $31K | 8.26% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19K | $19K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $2K | $31K | 9.56% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $582 | $20K | 8.35% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | LEGALPLANS USA | $15K | — | $15K | 8.00% |
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 | 7,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,239 | $11.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 34 | $787K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,993 | $3.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,993 | $2.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 1,239 | $11.0M |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,021 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,021 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.