| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $262K | $59K | $321K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $118K | $118K | 3.14% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131K | $23K | $155K | 7.65% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328K | $26K | $354K | 20.94% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $8K | $86K | 5.08% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $286K | $29K | $314K | 24.48% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $5K | $59K | 4.57% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $22K | $22K | 1.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $9K | $20K | 2.81% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $23K | $2K | $26K | 6.62% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $15K | $2K | $18K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 2.99% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $11K | $2K | $13K | 8.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.86% |
| ROBERT G MCGRAW INSURANCE AGENCY IN3 Filed as: ROBERT G MCGRAW INS. AGENCY INC. | 324 EAST FOURTH STREET CINCINNATI, OH 45202 | FEDERAL INSURANCE COMPANY | $311 | — | $311 | 14.98% |
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 | 14,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA/EYE MED VISION CARE | 19,611 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 14,203 | $5.8M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,787 | $1.3M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 14,203 | $4.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,000 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,611 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.