| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD CORP OF AMERICA | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $239K | $64K | $302K | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $111K | $111K | 3.00% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD CORP. OF AMERICA | 16011 COLLEGE BLVD. SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 3.26% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $190K |
| MARNE V BELL CONSULTANT/BROKER | Consulting (general) Service code 16 | 1301 N DEARBORN 3705 CHICAGO, IL 60610 | $0 |
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 | 5,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,109 | $662K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10,793 | $3.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,793 | $3.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 4,936 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,793 | — |
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.