| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063408 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 3.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063408 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $5K | $86K | 62.51% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 2.72% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063408 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 080365116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $3K | $49K | 53.50% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $3K | $58K | 63.03% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 165 BROADWAY, SUITE 3201 ONE LIBERTY PLAZA NEW YORK, NY 100061404 | 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 | 3,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 2,384 | $331K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,960 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,058 | $211K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,828 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,960 | — |
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.