| 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 | $235K | $47K | $282K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $89K | $89K | 2.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL | $27K | — | $27K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $15K | — | $15K | 4.92% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $6K | — | $6K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $11K | — | $11K | 5.37% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, ID 60673 | EYEMED VISION CARE | $5K | — | $5K | 2.33% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL | $2K | — | $2K | 1.25% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $8K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $93 | — | $93 | 5.23% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $38 | — | $38 | 2.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $50 | — | $50 | 5.85% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $19 | — | $19 | 2.22% |
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 | 3,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 4,805 | $2.3M |
| Vision(4 contracts) | EYEMED VISION CARE | 2,646 | $497K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,852 | $3.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,852 | $3.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,852 | $3.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,021 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,852 | — |
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.