| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $415K | $107K | $522K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $246K | $246K | 2.34% |
| WILLIE ALEXANDER3 Filed as: WILLIE JAMES ALEXANDER | PO BOX 926215 HOUSTON, TX 77292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $108K | — | $108K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $117K | — | $117K | 5.40% |
| WILLIE ALEXANDER3 Filed as: WILLIE JAMES ALEXANDER | PO BOX 926215 HOUSTON, TX 77292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.00% |
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 | 14,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 12,245 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22,808 | $3.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,399 | $10.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,399 | $10.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,763 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,808 | — |
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.