| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W. MONROE STE 3800 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 1.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.21% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W. MONROE SUITE 3800 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.86% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $1K | $44K | 22.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 080365116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $836 | $31K | 25.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $776 | $31K | 26.85% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W. MONROE ST. STE 3800 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 165 BROADWAY, SUITE 3201 ONE LIBERTY PLAZA NEW YORK, NY 10006 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 2,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 2,028 | $272K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,491 | $944K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 853 | $228K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,885 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,491 | — |
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.