| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 6501 AMERICAS PKWAY ALBURQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $37K | — | $37K | 3.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | DELTA DENTAL OF NEW MEXICO | $4K | — | $4K | 6.03% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926239640 | METROPOLITAN LIFE INSURANCE COMPANY | — | $180 | $180 | 1.91% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926409640 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 1.19% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 926409640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | — | $244 | 5.01% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST. HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18 | $18 | 0.37% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 3.41% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $231 | — | $231 | 5.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 0.45% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 169 | $1.1M |
| Dental | DELTA DENTAL OF NEW MEXICO | 235 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $9K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 212 | $34K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 60 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 62 | $8K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.