| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 1.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $296 | $296 | 0.03% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $51 | $51 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 3.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 1.25% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS INC. DBA | UNIVERS WORKPLACE 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $141K | — | $141K | 56.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $8K | $1K | $9K | 12.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E. RANDOLPH STREET STE 900 CHICAGO, IL 06061 | METLIFE LEGAL PLANS | — | $96 | $96 | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | — | $53 | $53 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY SUITE 3201 NEW YORK, NC 10006 | ACE AMERICAN INSURANCE COMPANY | $17K | — | $17K | 28.82% |
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 | 1,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,950 | $15.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,387 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,679 | $291K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,069 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,069 | $1.1M |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,950 | $15.7M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,981 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,981 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.