| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLEAR GROUP LLC3 Filed as: THE CLEAR GROUP | 4835 E CACTUS RD. SUITE 425 SCOTTSDALE, AZ 85254 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $56 | $60K | 1.89% |
| CHRIS SCHERZER3 | 7910 E THOMPSON PEAK PARKWAY SCOTTSDALE, AZ 85255 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.23% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $144K | $40K | $184K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $56K | $56K | 2.83% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $54K | $12K | $66K | 9.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 3.16% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $8K | $3K | $11K | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.9M |
| COMPSYCH EIN 36-3739783 ADMINISTRATION | Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $83K |
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 | 3,515 | 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) | 3,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,024 | $3.2M |
| Vision | VISION SERVICE PLAN | 3,339 | $672K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,077 | $2.0M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,077 | $2.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,922 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,024 | — |
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.