| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $58K | $58K | 1.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $20K | $74K | 4.75% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $430K | $5K | $436K | 87.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $66K | $0 | $66K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $3K | $35K | 12.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731278 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $36K | $0 | $36K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $112K | $684 | $112K | 62.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $428 | $0 | $428 | 15.02% |
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 | 4,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,932 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,445 | $4.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,869 | $599K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,136 | $676K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,839 | $4.3M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 252 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,450 | $1.6M |
| Other(4 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 2,673 | $861K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.