| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $586K | $394K | $981K | 5.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $343K | — | $343K | 3.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $138K | — | $138K | 4.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $1.9M | $62K | $2.0M | 72.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $128K | $51K | $179K | 7.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $141K | — | $141K | 7.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $69K | $15K | $84K | 5.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $30K | $30K | 2.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 681089 FRANKLIN, TN 370681089 | METLIFE LEGAL PLANS | — | $223 | $223 | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $932K | $30K | $962K | 72.26% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $418K | $13K | $432K | 72.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | DELTA DENTAL OF VIRGINIA | $17K | — | $17K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | 7325 BEAUFONT DRIVE RICHMOND, VA 23225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 8.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY 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 | 35,774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 598 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 422 | $4.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 422 | $2.1M |
| Vision | VISION SERVICE PLAN | 24,991 | $9.2M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 42,384 | $19.5M |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,136 | $8.7M |
| Long-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,136 | $8.7M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 209 | $3.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 38,645 | $11.4M |
| Other(12 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 42,384 | $49.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,384 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.