| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 2.35% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 2300 CONTRA COSTA BLVD STE 525 PLEASANT HLL, CA 94523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.74% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $40K | $40K | $80K | 42.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 13.22% |
| ACETI, DANIEL, GINO | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $4K | $18K | 21.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS HEALTH ADMINISTRATORS LLC EIN 82-2891309 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | PO BOX 25190 FRESNO, CA 93759 | $789K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 50 BEALE ST SAN FRANCISCO, CA 94105 | $645K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 997330 SACRAMENTO, CA 95899 | $199K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 95899 | $48K |
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 | 3,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,375 | $189K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,385 | $525K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,375 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,385 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.