| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $17K | $70K | 13.31% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $10K | $54K | 18.35% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS INC. DBA | UNIVERS WORKPLACE 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $54K | — | $54K | 23.17% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $6K | $23K | 13.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.31% |
| AON CONSULTING INC3 Filed as: AON | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $3K | — | $3K | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD LIFE AND ACCIDENT | — | $59 | $59 | — |
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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 2,635 | $424K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,779 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,272 | $151K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,830 | $292K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,830 | $523K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,830 | $174K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 2,635 | $424K |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 1,830 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,779 | — |
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."
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.