| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | 101 STARCREST DR CLEARWATER, FL 33765 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 1.51% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 19406 | HARTFORD LIFE AND ACCIDENT | $43K | $35K | $78K | 12.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 66219 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 3.50% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 19406 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 5.36% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 19406 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 13.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2300 RENAISSANCE BLVD LENEXA, KS 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 3.50% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 19406 | HARTFORD LIFE AND ACCIDENT | $524 | $335 | $859 | 11.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, KS 19406 | HARTFORD LIFE AND ACCIDENT | — | $262 | $262 | 3.50% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS CORP | 1301 S CLINTON ST SUITE 150 FORT WAYNE, IN 46802 | NATIONWIDE LIFE INSURANCE COMPANY | $207 | $71 | $278 | — |
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 | 18,219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,322 | $261K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,322 | $261K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10,166 | $610K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 10,166 | $696K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,850 | $2.0M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 10,166 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.