| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD Filed as: SUN LIFE ASSURANCE COMPANY OF CANAD | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $646 | $646 | — |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $384K | — | $384K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $111K | $111K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.9M |
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 | 10,451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 14,848 | $1.8M |
| Vision | VISION SERVICE PLAN | 6,012 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,854 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,284 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $369K |
| Other | MATRIX PSYCHOLOGICAL SERVICES | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,848 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.