| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $5K | $35K | 12.54% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.83% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 55.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 10461 MILL RUN CIRCLE OWINGS MILL, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $862 | — | $862 | 2.48% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 68.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 9.10% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.70% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 17.00% |
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 | 1,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 894 | $130K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,434 | $278K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,441 | $279K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,441 | $185K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,434 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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.