| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE STREET BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $400K | $400K | 8.82% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $16K | $16K | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $7.6M |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $5.1M |
| DELTA DENTAL EIN 68-0652604 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $964K |
| KEPRO EIN 25-1796254 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $853K |
| WAGEWORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $580K |
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 | 28,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,449 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 346 | $89K |
| Dental | AETNA INC. | 346 | $89K |
| Vision | EYEMED VISION CARE | 59,459 | $4.2M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 39,201 | $19.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 37,130 | $2.2M |
| Other | NATIONAL UNION | 28,417 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,459 | — |
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.