| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $530K | $111K | $641K | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $226K | $226K | 2.70% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.4M |
| CVS PHARMACY INC. EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $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 | 7,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 14,412 | $5.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,110 | $886K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,303 | $8.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,303 | $8.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,303 | $8.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 6,628 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,412 | — |
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.