| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE COMPANY | $117K | — | $117K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - IL | 29840 NETWORK PL CHICAGO, IL 606831298 | KAISER FOUNDATION HEALTH PLAN INC. | $34K | — | $34K | 2.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $30K | — | $30K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SVCS | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE COMPANY | $152K | — | $152K | 48.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.37% |
| 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 STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 502653542 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $893 | $893 | 4.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $755 | — | $755 | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 502653542 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $604 | $604 | 4.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 55.01% |
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 | 995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,786 | $14.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,213 | $1.2M |
| Vision | VISION SERVICE PLAN | 995 | $125K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $535K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $173K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $123K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,214 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.