| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUNLIFE ASSURANCE COMPANY OF CANADA | $65K | $29K | $93K | 6.60% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | SUNLIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 1.37% |
| UMR, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 0.66% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | UNITED HEALTH CARE INSURANCE COMPANY | $27K | — | $27K | 5.40% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $83K | $17K | $100K | 24.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 5.94% |
| OCEAN CONSULTING GROUP3 Filed as: OCEAN CONSULTING GROUP, INC. | 1555 PALM BEACH LAKES BLVD STE 810 WEST PALM BEACH, FL 33404 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS ADMINISTRATION | Claims processing Service code 12 | 115 WAUSAU AVE WAUSAU, WI 54401 | $1.5M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATION | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | 525 WEST MONROE STREET SUITE 300 CHICAGO, IL 60661 | $194K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general) Service code 16 | 15800 BLUEMOUND ROAD SUITE 100 BROOKFIELD, WI 53005 | $48K |
| THE BENEFITS SERVICES GROUP EIN 39-1593551 NONE | Consulting (general) Service code 16 | N25W23050 PAUL ROAD PEWAUKEE, WI 53072 | $16K |
| DIGITAL INSURANCE, LLC EIN 58-2522668 NONE | Consulting (general) Service code 16 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $0 |
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 | 5,028 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 3,067 | $495K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,028 | $407K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 3,774 | $1.4M |
| Other | ACE AMERICAN INSURANCE COMPANY | 4,030 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,028 | — |
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.