| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 CLARK ST. STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | PRUDENTIAL | $10K | — | $10K | 2.07% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $172 | $172 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.83% |
| BENEFITS FOCUS3 | 100 BENEFITFOCUS WAY CHARLESTOWN, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 159.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $939 | — | $939 | 5.07% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $430 | — | $430 | 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 | 2,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,521 | $6.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $721K |
| Vision(3 contracts) | EYEMED | 3,092 | $109K |
| Life insurance | PRUDENTIAL | 5,793 | $465K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,247 | $237K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,700 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,793 | — |
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.
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.