| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | — | $78K | 2.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.15% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC DBA | UNIVERS WORKPLACE 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO | $364K | — | $364K | 26.38% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE CO | $26K | — | $26K | 1.86% |
| CUSTOM BENEFIT PROGRAMS INC3 | 1 NORTH WHITE HORSE PIKE 2ND FLOOR HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 3.55% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | TRANSAMERICA LIFE INSURANCE COMPANY | $495 | — | $495 | 0.07% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228K | $16K | $244K | 58.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $8K | — | $8K | 2.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $8K | — | $8K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $8K | — | $8K | 2.80% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $479 | $479 | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $100 | $100 | 0.04% |
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 | 10,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,176 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,093 | $3.6M |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,176 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,176 | — |
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.