| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60K | $60K | 1.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | ONE LIBERTY PLAZA, SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $26K | $97K | 4.60% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $10K | $44K | 8.57% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAL LIFE INSURANCE COMPANY | $36K | $6K | $42K | 13.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA SUITE 3201 , BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.71% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,658 | $820K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,980 | $441K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 9,029 | $951K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,259 | $5.1M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 355 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,908 | $2.1M |
| Other(4 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH,PA | 2,750 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,029 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.