| 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 | — | $503K | $503K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $81K | $81K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET ST F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $76K | $76K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $69K | $69K | 3.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | ANTHEM BLUE CROSS | $33K | — | $33K | 5.40% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $189 | — | $189 | 5.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | 0.12% |
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 | 28,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 725 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,758 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 12,283 | $19.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $382K |
| Vision | EYEMED | 60,088 | $3.0M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 28,778 | $16.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27,780 | $8.2M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 45,487 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,088 | — |
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.