| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $657K | $189K | $845K | 6.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $0 | $332K | $332K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $253K | $253K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $0 | $305 | $305 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $51K | $5K | $56K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 17,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 8,976 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 13,571 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 17,461 | $12.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 17,461 | $12.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 17,461 | $12.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 15,049 | $5.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 17,461 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.