| 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 | $71K | $0 | $71K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N. CLARK ST. STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $18K | $42K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 312 N. CLARK STE. 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $16K | $35K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY RD STE 635 WOODLAND, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 7.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | ALLSTATE BENEFITS 1776 AHL DR. JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | ALLSTATE BENEFITS 1776 AHL DR. JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY RD STE 365 WOODLAND, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 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 | 5,533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 46 | $608K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,533 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,598 | $789K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,503 | $1.6M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,533 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,533 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.