| 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 | $99K | $16K | $115K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 2.86% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | C/O NORTHERN TRUST BANK 75 REMITTANCE DR DEPT 1446 CHICAGO, IL 606751446 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 57.66% |
| BENEFIT COMMUNICATION INSOURCING3 | 9300 W 110TH ST OVERLAND PARK, KS 662101437 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 6.17% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 6.17% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $3K | $537 | $3K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $620 | $620 | 3.00% |
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 | 2,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,835 | $148K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,855 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,855 | $1.4M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,855 | $1.5M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,855 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,855 | — |
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.