| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 NORTHERN TRUST BANK CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.89% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $203 | $203 | 0.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $258 | $258 | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1060 MAITLAND CENTER COMMONS BLVD. #210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 36.00% |
| SHAWN NORTON3 Filed as: SHAWN P NORTON | 1053 GARRISON LANE SOUDERTON, PA 18964 | TRUSTMARK INSURANCE COMPANY | $405 | — | $405 | 12.01% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 646 | $4.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $418K |
| Vision(2 contracts) | VISION SERVICE PLAN | 402 | $127K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 873 | $245K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 873 | $242K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 646 | $4.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,385 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,385 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.