| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - IL | 29840 NETWORK PL CHICAGO, IL 606831298 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | — | $37K | 2.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | -$42 | $36K | 2.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SVCS | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.07% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 11.03% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 502653542 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.37% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 11.08% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 502653542 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARREN ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO. | 50 CALIFORNIA SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 55.00% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 287 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,058 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,058 | $1.5M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 989 | $392K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 989 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 989 | $105K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 989 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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.