| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280K | $12K | $291K | 51.71% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $1K | $46K | 15.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 7.13% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $575 | $23K | 10.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 5.60% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SVCS. INC. | 4444 ZION AVE. SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.07% |
| CHRISTINE NESS3 | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $896 | — | $896 | 5.05% |
| JOANNE MARIE MIZELL3 | 16220 N. SCOTTSDALE RD., SUITE 600 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $36 | — | $36 | 0.20% |
| JAMES CHARLES STABILITO3 | 11201 N. TATUM BLVD., SUITE 300 PHOENIX, AZ 85028 | STANDARD INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $21 | $21 | 1.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.21% |
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 | 15,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 133 | $2.5M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF ARIZONA | 8,749 | $3.2M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 4,713 | $1.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $365K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 537 | $324K |
| Prescription drug(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 133 | $2.5M |
| Other(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,775 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,775 | — |
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.