| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $127K | $18K | $145K | 15.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.29% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | $0 | $89K | 10.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $402K | $0 | $402K | 50.83% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | $0 | $59K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 131 S DEARBORN, 6TH FLOOR CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $14K | $895 | $15K | 15.98% |
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 | 9,251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | 8,679 | $230K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 8,356 | $2.0M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,637 | $352K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,251 | $925K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,254 | $890K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,254 | $590K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 9,251 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,251 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.