| 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 | $81K | $12K | $93K | 7.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 3.24% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 662191366 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | ASSURITY LIFE INSURANCE | $5K | — | $5K | 2.51% |
| JAMES L HALL II3 Filed as: JAMES L. HALL, II | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | ASSURITY LIFE INSURANCE | $4K | — | $4K | 2.23% |
| JAMES D DAVIDSON3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | ASSURITY LIFE INSURANCE | $4K | — | $4K | 1.92% |
| NATIONAL BENEFITS PARTNERS LLC3 Filed as: NATIONAL BENEFITS PARTNERS | 23282 MILL CREEK DR. SUITE 390 LAGUNA HILLS, CA 92653 | ASSURITY LIFE INSURANCE | $2K | — | $2K | 0.90% |
| MARTIN REED COWICK3 Filed as: MARTIN COWICK | 5 PETERS POND DR. FORESTDALE, MA 02644 | ASSURITY LIFE INSURANCE | $58 | — | $58 | 0.03% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $5K | 8.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.90% |
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 | 1,990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,391 | $187K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,124 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,124 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,124 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,093 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,124 | — |
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.