| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $228K | $304K | $532K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET SUITE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $70K | $123K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62K | $62K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $208K | $104K | $312K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 321 N CLARK ST SUITE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $36K | $108K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 STE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA (FLEX ADD) | $45K | $0 | $45K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 STE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA (VPAI) | $28K | $0 | $28K | 2.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 STE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA (ADD CARVEOUT) | $210 | $0 | $210 | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 9901 SOUTH CENTRAL EXPRESSWAY RICHARDSON, TX 75080 | $14.8M |
| UNITEDHEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1900 EAST GOLF ROAD SUITE 500 SCHAUMBURG, IL 60673 | $11.0M |
| AON HEWITT EIN 23-1503749 CONTRACT ADMINISTRATOR | Accounting (including auditing); Claims processing Service code 10 | — | $6.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581929 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.0M |
| IBM MERCER EIN 13-2834414 CONSULTING | Consulting (general) Service code 16 | 1717 MAIN STREET DALLAS, TX 75201 | $1.7M |
| EXPRESS SCRIPTS, INC. EIN 22-3446377 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 8111 ROYAL RIDGE PARKWAY SUITE 101 IRVING, TX 75063 | $1.5M |
| OPTUM HEALTH EIN 41-1858498 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 271256 SALT LAKE CITY, UT 84127 | $210K |
| AMERICAN AIRLINES, INC. EIN 13-1502798 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 619616 MD 5134-HDQ1 DFW AIRPORT, TX 752619616 | $81K |
| NETWORK MEDICAL REVIEW EIN 34-4041877 MEDICAL CONSULTING | Consulting (general) Service code 16 | 4960 E. STATE STREET ROCKFORD, IL 61108 | $40K |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
| NATIONAL BUSINESS GROUP ON HEALTH EIN 52-1147591 CONSULTING | Consulting (general) Service code 16 | — | $9K |
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 | 71,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,014 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 72,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE (SPECTERA VISION INSURANCE) | 100,064 | $6.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 79,261 | $33.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 67,212 | $19.7M |
| Other(9 contracts, 9 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA (FLEX ADD) | 76,191 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100,064 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.