| 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 | $79K | $10K | $89K | 13.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $32K | 6.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $137K | — | $137K | 33.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 3.36% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $38K | 21.34% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $2K | $32K | 18.16% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMMERSET, NJ 08775 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $1K | $51K | 33.60% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $1K | $58K | 38.83% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $1K | $32K | 26.53% |
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 | 5,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,805 | $446K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,245 | $184K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,664 | $1.1M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,496 | $1.4M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,123 | $758K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,956 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,956 | — |
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.