| 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 | $184K | $184K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | — | $170K | $170K | 11.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $94K | $969 | $95K | 17.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., STE 1710 BOSTON, MA 02109 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $0 | $15K | $15K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., STE 1710 BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $30K | $30K | 73.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISOR | PO BOX 746600 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $2K | $5K | 13.50% |
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 | 20,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 110 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA HEALTH, INC. | 8 | $64K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,273 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,609 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 22,446 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 29,485 | $6.7M |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH PLANS(NY) INC. | 4 | $11K |
| Other(4 contracts, 4 carriers) | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | 17,862 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,485 | — |
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."
No prospect flags tripped on this filing.