| 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 | $485K | — | $485K | 6.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 2.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362K | $45K | $407K | 11.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $297K | — | $297K | 10.74% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $554K | $31K | $584K | 27.34% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 2.67% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $252 | $252 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $133K | — | $133K | 8.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $63K | — | $63K | 5.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $9K | $9K | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE ATTIN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.32% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $204K | $12K | $216K | 25.57% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 2.71% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $195K | $10K | $205K | 39.14% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 2.98% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $96K | $6K | $102K | 24.03% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.71% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $113K | $4K | $117K | 37.33% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.50% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | 7325 BEAUFONT DRIVE RICHMOND, VA 23225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DELTA DENTAL OF VIRGINIA | $18K | — | $18K | 7.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $2K | $63K | 36.16% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.65% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET, SUITE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.01% |
| 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 | $9K | $2K | $10K | 8.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 6TH FLOOR, 200 LIBERTY STREET NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 4.08% |
| USI INSURANCE SERVICES LLC3 | 1001 GALAXY WAY SUITE 300 CONCORD, CA 94520 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.61% |
| PRICHARD, TIMOTHY3 | 1470 MARIA LANE SUITE 240 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $12K | — | $12K | 15.00% |
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 | 36,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 705 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,973 | $8.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $1.8M |
| Vision | VISION SERVICE PLAN | 24,693 | $7.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,863 | $3.6M |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,734 | $8.1M |
| Long-term disability(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,734 | $11.8M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 197 | $2.5M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 73,129 | $8.4M |
| Other(6 contracts, 5 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 73,129 | $21.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,129 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.