| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $414K | $242K | $656K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $100K | $140K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $0 | $31K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $551 | $0 | $551 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | $0 | $20 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | $0 | $20 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | $0 | $20 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | $0 | $20 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIM PROCESSING | Claims processing Service code 12 | 9901 SOUTH CENTRAL EXPWY RICHARDSON, TX 75080 | $22.1M |
| UNITED HEALTHCARE EIN 41-1289245 CLAIM PROCESSING | Claims processing Service code 12 | 1900 GOLF ROAD SUITE 500 SCHAUMBURG, IL 60673 | $13.6M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 95135 CHICAGO, IL 606945135 | $7.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIM PROCESSING | Claims processing Service code 12 | 200 PARK AVENUE NEW YORK, NY 10166 | $2.0M |
| AON CONSULTING RADFORD AON HEWITT EIN 22-2232264 CONSULTING | Consulting (general) Service code 16 | PO BOX 100137 PASADENA, CA 911890137 | $963K |
| ADVANCE MEDICAL REVIEW EIN 32-0188784 CONSULTING | Consulting (general) Service code 16 | 100 LOWDER BROOK DRIVE SUITE 2200 WESTWOOD, MA 02090 | $798K |
| MERCER CONSULTING EIN 13-2834414 CONSULTING | Consulting (general) Service code 16 | 1717 MAIN STREET DALLAS, IL 75201 | $541K |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS PROCESSING | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $457K |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 71716 CHICAGO, IL 606941716 | $272K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 CONSULTING | Consulting (general) Service code 16 | 4960 E STATE STREET ROCKFORD, IL 61108 | $102K |
| AMERICAN AIRLINES, INC EIN 13-1502798 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 619616 MD 5134-HDQ1 DFW AIRPORT, TX 752619616 | $88K |
| GALLAGHER BENEFIT SERVICES, INC EIN 36-4291971 AUDITING | Accounting (including auditing) Service code 10 | THE GALLAGHER CENTER 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | $65K |
| OPTUM HEALTH EIN 41-1591944 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 271256 SALT LAKE CITY, TX 84127 | $20K |
| NATIONAL BUSINESS GROUP ON HEALTH EIN 52-1147591 CONSULTING | Consulting (general) Service code 16 | 20 F STREET WASHINGTON, DC 200016705 | $9K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0515201 CONSULTING | Consulting (general) Service code 16 | 2875 SOUTH DECKER LAKE ROAD SUITE 550 SALT LAKE CITY, UT 84119 | $6K |
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 | 93,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 899 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELTY SECURITY LIFE INSURANCE COMPANY | 140,885 | $7.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 93,725 | $41.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 93,725 | $24.9M |
| Other(8 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90,829 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140,885 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.