| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $248K | $0 | $248K | 4.44% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $132K | $132K | 2.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $122K | $122K | 2.19% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $6K | $47 | $6K | 8.03% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 2.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 1.36% |
| TRUVERIS, INC3 Filed as: TRUVERIS, INC. | DEPARTMENT CH 10826 PALATINE, IL 60055 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $10K | $10K | 18.43% |
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 | 5,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 731 | $8.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 7,815 | $2.9M |
| Vision | VISION SERVICE PLAN | 3,729 | $579K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 8,200 | $5.6M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,200 | $5.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,200 | $5.6M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 731 | $8.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,200 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.