| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORPORATIONOF AMERICA | 6803 W 64TH ST MISSION, KS 66202 | UNITED HEALTH CARE INSURANCE COMPANY | $18K | — | $18K | 4.58% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $31K | $14K | $44K | 17.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $35K | $35K | 13.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA HEALTH PLAN INC. EIN 61-1013183 NONE | Other services; Claims processing Service code 12 | 101 E. MAIN STREET LOUISVILLE, KY 40202 | $949K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Other services; Claims processing Service code 12 | PO BOX 30432 SALT LAKE CITY, UT 84130 | $221K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | 525 WEST MONROE STREET SUITE 300 CHICAGO, IL 60661 | $161K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general) Service code 16 | 15800 BLUEMOUND ROAD SUITE 100 BROOKFIELD, WI 53005 | $32K |
| THE BENFITS SERVICES GROUP EIN 39-1593551 NONE | Consulting (general) Service code 16 | N25W23050 PAUL ROAD PEWAUKEE, WI 53072 | $30K |
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 | 4,300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 345 | $393K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,300 | $257K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,258 | $510K |
| Other | ACE AMERICAN INSURANCE COMPANY | 3,919 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,300 | — |
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.