| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $286K | — | $286K | 1.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF NEW YORK | $18K | — | $18K | 2.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $6K | $57K | 11.10% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | RETIREE RX PRESCRIPTION DRUG PLAN | $9K | — | $9K | 6.21% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | RETIREE RX PRESCRIPTION DRUG PLAN | $5K | — | $5K | 3.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 2.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 16.24% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | AN AON CORPORATION 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 36.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $5K | $1K | $7K | 7.25% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMONTON, NJ 080371363 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $702 | $702 | 0.77% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 9.01% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE, SUITE K-1 PLYMOUTH MEETING, PA 19462 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 5.99% |
| WEB TPA3 | 8500 FREEPORT PKWY. S. IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 4.86% |
| AON CONSULTING INC3 | 29840 NETWORK PACE CHICAGO, IL 606731298 | DELTA DENTAL OF NEW YORK | $585 | — | $585 | 2.06% |
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 | 1,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,017 | $14.7M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 1,923 | $877K |
| Vision | VISION SERVICE PLAN | 710 | $118K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,018 | $609K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $91K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 800 | $203K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,017 | $14.7M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,018 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,017 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.