| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $22K | $5K | $27K | 4.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.18% |
| VESTAMERICA INC3 Filed as: VESTAMERICA INC. | 8639 NW 2ND LANE MIAMI, FL 33126 | HARTFORD LIFE AND ACCIDENT | — | $499 | $499 | 0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $138K | — | $138K | 33.57% |
| VESTAMERICA INC3 | 8639 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | TRANSAMERICA LIFE INSURANCE COMPANY | $950 | — | $950 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $2K | — | $2K | 100.00% |
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 | 1,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 914 | $500K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,951 | $92K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,786 | $998K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,786 | $586K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,786 | $586K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,786 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,951 | — |
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."
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.