| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY RD STE 365 WOODLAND, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $0 | $82K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N. CLARK ST. STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $23K | $52K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 312 N. CLARK STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $21K | $48K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY RD STE 365 WOODLAND, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY RD STE 365 WOODLAND, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 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 | 5,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 42 | $769K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,661 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,586 | $917K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,675 | $1.8M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,661 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,675 | — |
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.