| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES SPECIAL RISK INS | 6957 WHITESAND PLACE MALIBU, CA 90265 | HARTFORD LIFE AND ACCIDENT | $0 | $395K | $395K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #741909, PO BOX 741909 ATLANTA, GA 303741909 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $100K | $100K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $0 | $74K | $74K | 1.66% |
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 | 45,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,765 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,050 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,950 | $11.6M |
| Dental | DENTAL CARE PLUS, INC. | 1,728 | $665K |
| Vision(2 contracts) | DAVIS VISION | 64,270 | $3.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 47,301 | $28.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 45,226 | $10.2M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 60,678 | $33.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.