| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $162K | $0 | $162K | 16.19% |
| 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 | $13K | $13K | 1.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 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. | $208K | $0 | $208K | 27.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $0 | $66K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 131 S DEARBORN 6TH FL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $11K | $1K | $12K | 16.43% |
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 | 8,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | 8,711 | $234K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 7,596 | $2.1M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,681 | $380K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,531 | $998K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,093 | $889K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,477 | $658K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 10,785 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,785 | — |
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.