| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $44K | $44K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL MIDWEST | 55 WEST MONROE STE 500 CHICAGO, IL 60603 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $1K | $1K | 2.92% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18,616 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,188 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,616 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.