| 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 | $919K | $163K | $1.1M | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $410K | $410K | 3.12% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $20K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 3.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING/CONTRAC | Contract Administrator; Claims processing Service code 12 | — | $3.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING/CONTRAC | Claims processing; Contract Administrator Service code 12 | — | $315K |
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 | 7,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 686 | $115K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,112 | $779K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,796 | $13.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,796 | $13.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,796 | $13.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 6,677 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.