| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS SCHERZER3 | THE CLEAR GROUP 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $44K | — | $44K | 1.83% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $157K | $32K | $189K | 8.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $62K | $62K | 2.78% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $54K | $11K | $66K | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 2.82% |
| CHRIS SCHERZER3 | THE CLEAR GROUP 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $12K | — | $12K | 1.84% |
| CHRIS SCHERZER3 Filed as: CHRIS SCERZER | THE CLEAR GROUP 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 1.84% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD., SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $13K | 8.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.8M |
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 | 4,363 | 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) | 4,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF ARIZONA | 2,324 | $3.3M |
| Vision | VISION SERVICE PLAN | 3,549 | $711K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,363 | $2.2M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,363 | $3.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,233 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.