| 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 | $118K | $34K | $152K | 8.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $55K | $55K | 3.12% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 4.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 20.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BKR | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $12 | $24K | — |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BKR | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $12 | $28K | — |
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 | 5,000 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $0 |
| Dental | DELTA DENTAL OF ILLINOIS | 527 | $129K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,551 | $380K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,735 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,735 | $1.8M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 5,000 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,000 | — |
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.