| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 21300 VICTORY BLVD, SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $169K | $51K | $220K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 21300 VICTORY BLVD, SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $0 | $88K | $88K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $93K | $0 | $93K | 8.25% |
| RICHARD A ST JEAN3 Filed as: RICHARD A ST. JEAN, JR. | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | $41K | $64K | 5.73% |
| RICHARD GEORGE SUTER3 | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61K | $0 | $61K | 5.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH FINANCIAL INSURANCE | SERVICES OF MA 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.04% |
| GREGG A ANDERSON3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.01% |
| CRAIG J MILLETT3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE & INVESTMENTS CORP | PO BOX 27449 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 55 PHEASANT BROOK ROAD NORTH ANDOVER, MA 01845 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | $0 | $4K | 15.00% |
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 | 12,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 343 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 598 | $6.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 43 | $1.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 25,763 | $1.1M |
| Life insurance | AETNA LIFE INSURANCE CO. | 19,765 | $8.0M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 19,765 | $9.1M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 19,765 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,763 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.