| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $388K | $388K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $179K | $95 | $179K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54K | $54K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58K | $58K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $681 | $681 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $72 | $72 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 1.00% |
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 | 102,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,853 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE CO | 159,639 | $8.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 102,860 | $58.6M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 102,860 | $23.8M |
| Other(10 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 96,705 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159,639 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.