| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $76 | $76 | 0.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 1900 16TH STREET, SUITE 100 DENVER, CO 80202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. HOUSTON | 5555 SAN FELIPE SUITE 1500 HOUSTON, TX 770562739 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 33.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 1.57% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR. JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD. APT 1316 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$94 | — | -$94 | -0.37% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $580 | $72 | $652 | 11.33% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 518 | $210K |
| Vision | HUMANA INSURANCE COMPANY | 418 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 713 | $314K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 713 | $314K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 713 | $314K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 713 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.