| 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 | $21K | — | $21K | 2.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $296 | $296 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 2.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 1.51% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS INC. DBA | UNIVERS WORKPLACE 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 15.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $7K | $1K | $8K | 10.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E. RANDOLPH STREET STE 900 CHICAGO, IL 06061 | METLIFE LEGAL PLANS | — | $80 | $80 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.07% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 606949300 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY SUITE 3201 NEW YORK, NC 10006 | ACE AMERICAN INSURANCE COMPANY | $11K | — | $11K | 20.00% |
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 | 1,294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,477 | $15.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,762 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,339 | $255K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,729 | $1.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,729 | $1.0M |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,477 | $15.3M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,000 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,000 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.