| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE CO | $205K | $30K | $236K | 13.48% |
| CHILD HEALTH CORP OF AMERICA4 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | CONTINENTAL AMERICAN INSURANCE CO | $46K | — | $46K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | — | $43K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | $9K | $0 | $9K | 5.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEB TPA EIN 75-2611444 CLAIMS PROCESSING | Claims processing Service code 12 | — | $418K |
| COMMUNITAS EIN 75-2611444 CASE MANAGEMENT | Claims processing Service code 12 | — | $241K |
| HEALTHCARE HIGHWAYS OF LA INC EIN 32-0459718 NETWORK ACCESS FEES | Employee (plan) Service code 30 | — | $103K |
| VERITY HEALTHNET LLC EIN 45-0510673 NETWORK ACCESS FEES | Employee (plan) Service code 30 | — | $97K |
| DIVERSIFIED BENEFIT SERVICES EIN 39-1695622 FLEX SPENDING ACCT ADMIN | Claims processing Service code 12 | — | $26K |
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 | 3,435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAMBALT SOLUTIONS INC | 2,314 | $92K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | 2,062 | $168K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE CO | 2,109 | $1.7M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE CO | 2,109 | $1.7M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE CO | 2,109 | $1.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 2,109 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,314 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.