| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. LLC | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 2.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $343 | $343 | 0.03% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 Filed as: PACIFIC RESORCS BENEFITS ADVSRS,LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $3K | $9K | $12K | 3.46% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.74% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.15% |
| MICHAEL WARD3 Filed as: MICHAEL P FAGAN | 1701 GOLF ROAD SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 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 | 1,714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CVS PHARMACY, INC. | 2,632 | $5.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,258 | $1.1M |
| Vision(4 contracts) | EYEMED VISION CARE | 1,560 | $210K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,733 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,100 | $347K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,737 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,632 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.