| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $439K | $439K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | US PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $115K | $115K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $104K | $104K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $50K | $50K | 2.11% |
| INSURANCE ASSOC. PLUS, INC.3 | 1240 FAIRWAY ST. BOWLING GREEN, KY 42103 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.41% |
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 | 24,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,116 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,675 | $16.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 310 | $1.1M |
| Vision | EYEMED | 57,268 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 25,187 | $17.5M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 36,626 | $13.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 42,803 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,268 | — |
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."
No prospect flags tripped on this filing.