| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 850041047 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $15 | $82K | 2.95% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH STREET, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $103K | $43K | $146K | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $60K | $60K | 3.65% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH STREET, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $58K | $27K | $84K | 14.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $32K | $32K | 5.54% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH STREET, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $4K | $5K | $10K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.4M |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 ADMINISTRATION | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $158K |
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 | 3,150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,181 | $2.8M |
| Vision | VISION SERVICE PLAN | 3,074 | $536K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,667 | $1.7M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,667 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,610 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.