| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMBINED INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 28.63% |
| JOE FERNANDEZ3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMBINED INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 27.42% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | COMBINED INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 12.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | 707 WILSHIRE BLVD LOS ANGELES, CA 900300596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | 707 WILSHIRE BLVD LOS ANGELES, CA 900300596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $796 | $796 | 1.25% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | COMBINED INSURANCE COMPANY | $26K | — | $26K | 53.49% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMBINED INSURANCE COMPANY | $18K | — | $18K | 35.67% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,304 | $10.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,159 | $459K |
| Vision | VISION SERVICE PLAN | 507 | $67K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $208K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $208K |
| Other(4 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 650 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.