| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $24K | $72K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, MI 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $18K | $41K | 4.49% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $13K | $38K | 5.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $10K | $21K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 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 | 5,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 36 | $478K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,030 | $1.6M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 999 | $227K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,904 | $1.2M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,030 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,030 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.