| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $10K | $50K | 6.93% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 00919 | MCS LIFE INSURANCE COMPANY | $33K | — | $33K | 5.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 1.24% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $191K | — | $191K | 46.41% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $108K | $6K | $115K | 30.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $5K | $46K | 12.77% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $182K | $6K | $187K | 57.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.74% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | $287 | $42K | 23.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | PO BOX 191229 SAN JUAN, PR 009191229 | DELTA DENTAL OF PUERTO RICO, INC. | $3K | — | $3K | 10.00% |
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 | 4,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 1,564 | $891K |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 9 | $33K |
| Vision(2 contracts) | EYEMED VISION CARE | 4,394 | $256K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 4,726 | $772K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,726 | $746K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,726 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,726 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,726 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.