| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY C/O TRION | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21K | $21K | 4.46% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 1.97% |
| CHILD HEALTH CORP OF AMERICA | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | THE HARTFORD | $257K | $230K | $487K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE HARTFORD | — | $105K | $105K | — |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | THE HARTFORD | $16K | $3K | $19K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE HARTFORD | — | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.7M |
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 | 7,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 16,998 | $5.4M |
| Vision | VISION SERVICE PLAN | 6,993 | $1.3M |
| Life insurance | THE HARTFORD | 8,385 | $0 |
| Long-term disability | THE HARTFORD | 877 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,601 | $467K |
| Other | MATRIX PSYCHOLOGICAL SERVICES | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,998 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.