| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $474K | $0 | $474K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $8.8M |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $6.2M |
| DELTA DENTAL EIN 68-0652604 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $1.0M |
| WAGEWORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Claims processing Service code 12 | — | $267K |
| NEW YORK LIFE INSURANCE CO. EIN 13-2556568 CONTRACT ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $24K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $17K |
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 | 30,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,857 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 711 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 246 | $396K |
| Vision | EYEMED VISION CARE | 58,697 | $3.8M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 39,078 | $20.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 35,504 | $2.3M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 38,010 | $8.4M |
| Other | NATIONAL UNION | 30,442 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,697 | — |
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.