| 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 | $29K | — | $29K | 2.64% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $327 | $327 | 0.03% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 Filed as: PACIFIC RESORCS BENEFITS ADVSRS,LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $4K | $8K | $11K | 3.18% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.88% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.83% |
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 | 1,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $76K |
| Dental | DELTA DENTAL OF ILLINOIS | 1,169 | $1.1M |
| Vision(4 contracts) | EYEMED VISION CARE | 2,084 | $187K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,577 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,913 | $354K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,084 | — |
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.