| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119K | $0 | $119K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $123K | $0 | $123K | 13.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC. 29840 NETWORK PL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 1.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.16% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | $0 | $87K | 10.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $222K | $0 | $222K | 30.18% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $12K | $718 | $13K | 15.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $0 | $77 | $77 | 0.10% |
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 | 9,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | 8,164 | $224K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 7,559 | $2.0M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,802 | $298K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10,831 | $893K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,500 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,727 | $873K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 10,831 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,831 | — |
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.