| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORP. OF AMERICA | 16011 COLLEGE BLVD. STE. 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $377K | $94K | $470K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $195K | $195K | 4.16% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORP. OF AMERICA | 16011 COLLEGE BLVD. STE. 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $8K | $2K | $10K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.12% |
No Schedule C service providers reported on this filing.
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 | 9,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 239 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,235 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,235 | $4.7M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 8,117 | $4.7M |
| Other(5 contracts, 4 carriers) | VERA WHOLE HEALTH CLINIC | 9,235 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,235 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.