| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $113 | $113 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $309K | $7K | $316K | 23.21% |
| ENDEAVOR HEALTH3 | 4201 WINFIELD ROAD WARRENVILLE, IL 60555 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.73% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $745K | $7K | $752K | 59.50% |
| ENDEAVOR HEALTH3 | 4201 WINFIELD ROAD WARRENVILLE, IL 60555 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.79% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 1116 HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY | $110K | — | $110K | 10.36% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 212 W KINZIE ST 4TH FLOOR CHICAGO, IL 60654 | COMBINED INSURANCE COMPANY | $32K | — | $32K | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE COMPANY | $15K | — | $15K | 1.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $223 | $29K | 3.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $439K | $6K | $445K | 59.83% |
| ENDEAVOR HEALTH3 | 4201 WINFIELD ROAD WARRENVILLE, IL 60555 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 1.35% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $172K | $4K | $176K | 48.67% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $407 | $407 | 0.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 29.81% |
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 | 28,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 33,085 | $15.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 33,085 | $15.3M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,748 | $4.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 471 | $561K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20,440 | $5.9M |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27,589 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,085 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.