Welfare broker

CUSTOM BENEFITS PROGRAMS

Mailing address (most recent filing)

AN AON CO

PO BOX 1116

HAMMONTON, NJ 08037

Total comp: $5.7M
Commissions: $5.6M
Fees: $129K
Filings: 118
Sponsors: 118

Carrier mix

Where CUSTOM BENEFITS PROGRAMS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY26.7%
KAISER FOUNDATION HEALTH PLAN INC20.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA13.3%
BLUE CROSS OF CALIFORNIA13.3%
UNITEDHEALTHCARE INSURANCE COMPANY6.7%
HARTFORD LIFE AND ACCIDENT6.7%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY6.7%
DELTA DENTAL OF CALIFORNIA6.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	4	$7.3M	26.7%
KAISER FOUNDATION HEALTH PLAN INC	3	$52.8M	20.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA	2	$3.7M	13.3%
BLUE CROSS OF CALIFORNIA	2	$14.1M	13.3%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$82.7M	6.7%
HARTFORD LIFE AND ACCIDENT	1	$584K	6.7%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$2.5M	6.7%
DELTA DENTAL OF CALIFORNIA	1	$3.8M	6.7%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
DC	4	$14.4M	0.6%	47.19x
FL	3	$12.0M	0.1%	5.08x
VA	2	$5.4M	0.1%	6.12x
CA	2	$126.8M	0.0%	1.70x
WI	1	$363K	0.0%	3.54x
TX	1	$2.1M	0.0%	1.11x
NJ	1	$3.9M	0.0%	3.09x
MI	1	$2.5M	0.0%	2.74x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CUSTOM BENEFITS PROGRAMS's plans by broker comp / premium ratio. Median 5.17% vs welfare-wide median 6.29% (n=15).

Prospect-flag exposure · vs market baseline

Share of CUSTOM BENEFITS PROGRAMS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-15 of 15 sponsors where CUSTOM BENEFITS PROGRAMS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHENEY BROTHERS, INC. CHENEY BROTHERS, INC. EMPLOYEE BENEFITS PLAN	FL	$3.3M	$489K	LIFE INSURANCE COMPANY OF NORTH AMERICA
MOUNT SINAI MEDICAL CENTER OF FLORIDA, INC. MOUNT SINAI MEDICAL CENTER OF FLORIDA	FL	$3.8M	$408K	DELTA DENTAL INSURANCE COMPANY
IN-N-OUT BURGERS, A CALIFORNIA CORPORATION IN-N-OUT BURGER ASSOCIATES HEALTH AND WELFARE PLAN	CA	$82.7M	$308K	UNITEDHEALTHCARE INSURANCE COMPANY
HAWORTH INTERNATIONAL, LTD. HAWORTH MEMBER HEALTH AND WELFARE PLAN	MI	$2.5M	$189K	LINCOLN NATIONAL LIFE INSURANCE COMPANY
SAMSUNG ELECTRONICS AMERICA, INC. SAMSUNG ELECTRONICS AMERICA, INC. HEALTH AND WELFARE PLAN	NJ	$3.9M	$120K	KAISER FOUNDATION HEALTH PLAN INC
SECURITAS CRITICAL INFRASTRUCTURE SYSTEMS, INC. SECURITAS CRITICAL INFRASTRUCTURE SYSTEMS, INC. HEALTH & WELFARE BENEFIT PLAN	VA	$4.8M	$118K	KAISER FOUNDATION HEALTH PLAN, INC.
DANAHER CORPORATION DANAHER CORPORATION & SUBSIDIARIES SUPPLEMENTAL ILLNESS PLAN	DC	$1.2M	$115K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
DANAHER CORPORATION DANAHER CORPORATION & SUBSIDIARIES SUPPLEMENTAL HOSPITAL PLAN	DC	$743K	$74K	CIGNA HEALTH AND LIFE INSURANCE
SUPERNAL, LLC SUPERNAL, LLC HEALTH AND WELFARE PLANS	DC	$12.0M	$73K	CAREFIRST BLUECHOICE, INC.
DANAHER CORPORATION DANAHER CORPORATION & SUBSIDIARIES SUPPLEMENTAL ACCIDENT PLAN	DC	$480K	$48K	CIGNA HEALTH AND LIFE INSURANCE
AGA SERVICE COMPANY AGA INC. FLEXIBLE BENEFITS PLAN	VA	$584K	$30K	HARTFORD LIFE AND ACCIDENT
TIDI PRODUCTS, LLC TIDI PRODUCTS, LLC HEALTH AND WELFARE PLAN	WI	$363K	$24K	LIFE INSURANCE COMPANY OF NORTH AMERICA
LAWRENCE LIVERMORE NATIONAL SECURITY LLC LLNS HEALTH & WELFARE BENEFIT PLAN FOR RETIREES	CA	$44.1M	$20K	KAISER FOUNDATION HEALTH PLAN INC.
THE H. E. BUTT FOUNDATION THE H. E. BUTT FOUNDATION WELFARE PLAN	TX	$2.1M	$12K	BLUE CROSS BLUE SHIELD OF TEXAS
APG ELECTRIC, INC. APG ELECTRIC, LLC EMPLOYEE BENEFIT PLAN	FL	$4.9M	$1K	CIGNA HEALTH AND LIFE INSURANCE COMPANY