| 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 | $187K | $46K | $233K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $83K | $83K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIASTAR LIFE INSURANCE COMPANY | $120K | — | $120K | 17.80% |
| KEELER & ASSOCIATES3 | 211 23RD ST PLATTSMOUTH, NE 68048 | RELIASTAR LIFE INSURANCE COMPANY | $105K | — | $105K | 15.67% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD STE 500 LEAWOOD, KS 662111887 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 9.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $58K | — | $58K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 211 S 23RD ST PLATTSMOUTH, NE 68048 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.07% |
| SHAWN KEELER3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | — | $26K | $26K | 4.84% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $10K | $2K | $11K | 8.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.59% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $2K | $438 | $3K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $947 | $947 | 2.81% |
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 | 3,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 3,935 | $543K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,549 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,549 | $2.7M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,549 | $2.9M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,549 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,549 | — |
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.