| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | SECURIAN LIFE INSURANCE COMPANY | $91K | $49K | $140K | 6.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | — | $57K | $57K | 2.50% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | SECURIAN LIFE INSURANCE COMPANY | $53K | $29K | $82K | 6.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | — | $33K | $33K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING/CONTRAC | Contract Administrator; Claims processing Service code 12 | — | $5.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING/CONTRAC | Claims processing; Contract Administrator Service code 12 | — | $443K |
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 | 9,150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 649 | $98K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 16,304 | $831K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 7,997 | $1.3M |
| Short-term disability | SECURIAN LIFE INSURANCE COMPANY | 7,997 | $1.3M |
| Long-term disability | SECURIAN LIFE INSURANCE COMPANY | 7,997 | $1.3M |
| Other | SECURIAN LIFE INSURANCE COMPANY | 9,149 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,304 | — |
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.