| 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 | $156K | $33K | $189K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $64K | $64K | 2.87% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 662191366 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $4K | $50K | 16.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $4K | $47K | 16.35% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 662191366 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 4.28% |
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 | 5,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 497 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,417 | $539K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,197 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,197 | $2.2M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,055 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,197 | — |
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.