| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | $61K | $287 | $62K | 2.84% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.07% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $61K | $287 | $62K | 36.45% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| PAUL STANLEY JR3 Filed as: PAUL J STANLEY | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 14.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.23% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 344 | $2.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 405 | $169K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 405 | $169K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 400 | $91K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 400 | $91K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 400 | $91K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 825 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.