| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $130K | $52K | $181K | 9.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $69K | $69K | 3.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $98K | $14K | $112K | 17.14% |
| HEALTH & BENEFITS SYSTEM INC3 | 9300 W 110TH ST BLD 55 STE 520 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $98K | $14K | $112K | 17.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N #1200 BIRMINGHAM, AL 35203 | COMPBENEFITS | $39K | — | $39K | 9.96% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE, KS 66202 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N #1200 BIRMINGHAM, AL 35203 | COMPBENEFITS | $307 | — | $307 | 4.18% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DR SUITE 400 VESTAVIA, AL 35242 | COMPBENEFITS | $233 | — | $233 | 3.17% |
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 | 4,272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMPBENEFITS | 5,361 | $397K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,187 | $1.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,993 | $651K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,187 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 4,157 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,361 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.