| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS LLC | ADVISORS, LLC 21300 VICTORY BLVD, SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $91K | $45K | $137K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | — | $97K | $97K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $95K | — | $95K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 21300 VICTORY BLVD, SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | — | $47K | $47K | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $77K | — | $77K | 7.75% |
| RICHARD GEORGE SUTER3 | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53K | — | $53K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25K | $6 | $25K | 2.46% |
| RICHARD A ST JEAN3 Filed as: RICHARD A ST. JEAN JR | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 1.62% |
| GREGG A ANDERSON3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH FINANCIAL INSURANCE SERVICES | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| RICHARD A ST JEAN3 Filed as: RICHARD ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.21% |
| TERRANCE P MCMAHON3 | 73 WENDOVER WAY BEDFORD, NH 031106056 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $80 | $80 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $77 | — | $77 | 0.01% |
| CRAIG J MILLETT3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE AND INVESTMENTS COR | PO BOX 27449 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $399K | $20K | $419K | 51.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $466K | $22K | $489K | 70.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $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 | 13,937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 201 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 558 | $6.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $1.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 27,089 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE CO. | 13,950 | $9.8M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 13,950 | $10.8M |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 14,814 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,089 | — |
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.