| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $0 | $53K | $53K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $22K | — | $22K | 12.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISOR | PO BOX 746600 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $21K | — | $21K | 12.18% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.06% |
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 | 18,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 420 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 278 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | AETNA HEALTH, INC. | 6 | $84K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 5,970 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,847 | $8.5M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,847 | $9.0M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 21,847 | $8.1M |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH PLANS(NY) INC. | 6 | $17K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 21,847 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,847 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.