| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $132K | — | $132K | 2.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $145K | — | $145K | 2.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $349K | $44K | $393K | 11.20% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $476K | $65K | $541K | 35.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $110K | — | $110K | 10.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $58K | $14K | $72K | 7.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $193K | $28K | $221K | 34.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $7K | $79K | 18.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $99K | $14K | $113K | 34.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $4K | $67K | 27.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 7.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | 7325 BEAUFONT DRIVE RICHMOND, VA 23225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.30% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $3K | $32K | 22.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | WILLIS TOWER 233 SOUTH WACKER, SUITE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $5K | $11K | 8.83% |
| USI INSURANCE SERVICES LLC3 | 1001 GALAXY WAY SUITE 300 CONCORD, CA 94520 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 6.95% |
| TIMOTHY PRICHARD3 | 1470 MARIA LANE SUITE 240 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $15K | — | $15K | 20.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $664 | $6K | 11.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $32 | $32 | 1.23% |
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 | 34,780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 977 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,404 | $8.0M |
| Dental(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $1.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 21,882 | $6.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,594 | $3.5M |
| Short-term disability(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,637 | $5.3M |
| Long-term disability(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,637 | $8.9M |
| Prescription drug(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $3.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 34,780 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,780 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.