| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $281K | $60K | $341K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $109K | $109K | 2.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL | $24K | — | $24K | 1.15% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, ID 60673 | EYEMED VISION CARE | $17K | — | $17K | 6.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL | $2K | — | $2K | 1.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $10K | — | $10K | 6.41% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $8K | $2K | $10K | 8.88% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $59 | — | $59 | 6.38% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $17 | — | $17 | 5.41% |
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 | 4,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 4,628 | $2.3M |
| Vision(4 contracts) | EYEMED VISION CARE | 3,819 | $429K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,210 | $4.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,210 | $4.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,210 | $4.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,725 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,210 | — |
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.