| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $117K | $47K | $164K | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $81K | $81K | 4.33% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 5.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET, SUITE 900 CHICAGO, IL 60601 | AXIS INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 4,700 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 445 | $113K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,170 | $197K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,604 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,604 | $1.9M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 4,700 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,700 | — |
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.