| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $38K | $91K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES DBA STRATEGIC NON | P.O. BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $63K | $114K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST. STE. 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $29K | $66K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES DBA STRATEGIC NON | P.O. BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $22K | $41K | 5.93% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 6.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | AETNA INTERNATIONAL | $13K | — | $13K | 7.41% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $7K | $24K | 13.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | C/O INNOTECH 233 S WACKER DR, STE 1875 CHICAGO, IL 606066400 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | — | $477 | 0.28% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 9.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | C/O INNOTECH 233 S WACKER DR, STE 1875 CHICAGO, IL 606066400 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $733 | — | $733 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 6,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 151 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 94 | $469K |
| Dental | AETNA LIFE INSURANCE COMPANY | 94 | $263K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,360 | $3.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,210 | $697K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,120 | $1.8M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,360 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.