| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $93K | — | $93K | 5.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | 501 CORPORATE CENTRE DR STE 300 FRANKLIN, TN 37067 | FIRST UNUM LIFE INSURANCE COMPANY | $487 | $460 | $947 | 2.82% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | COMPANION LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE | $1K | — | $1K | 7.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $406 | $238 | $644 | 8.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | 501 CORPORATE CENTRE DR STE 300 FRANKLIN, TN 37067 | FIRST UNUM LIFE INSURANCE COMPANY | $741 | $93 | $834 | 12.35% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $358 | $213 | $571 | 8.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $604 | $29 | $633 | 11.44% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $376 | — | $376 | 8.01% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 230 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 230 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 230 | $1.8M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $40K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $34K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $34K |
| Other(6 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.