| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $42K | $42K | 1.62% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $34K | $34K | 2.00% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM INSURANCE COMPANY | $153K | $16K | $169K | 21.13% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $0 | $12K | $12K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC | 1717 H STREET NW WASHINGTON, DC 20006 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 21083 | METLIFE LEGAL PLANS | $0 | $23 | $23 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | -$713 | -$713 | -0.10% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $5K | $7K | 1.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 8.13% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.94% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7 | $7 | 2.11% |
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 | 12,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 4,358 | $37.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $364K |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 7 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,956 | $5.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $332 |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,956 | $4.4M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 4,358 | $37.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 22,472 | $6.6M |
| Other(9 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,956 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,472 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.