| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD | $49K | — | $49K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD | $42K | — | $42K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $73K | — | $73K | 26.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 12.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | THE HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 3.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD | $6K | — | $6K | 15.00% |
| AON CONSULTING INC3 Filed as: AON | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $3K | — | $3K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 131 S DEARBORN 6TH FL CHICAGO, IL 60673 | THE HARTFORD LIFE AND ACCIDENT | $866 | $78 | $944 | 16.36% |
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 | 1,610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 3,057 | $456K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,244 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,706 | $141K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 2,369 | $390K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 2,369 | $604K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 2,369 | $111K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 3,057 | $456K |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 2,369 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,244 | — |
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.