| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD WOODLAND HILS, CA 91367 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $144K | $0 | $144K | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 36-2739571 NONE | Account maintenance fees Service code 65 | — | $1.8M |
| CAREMARK EIN 95-3382344 NONE | Account maintenance fees Service code 65 | — | $98K |
| NORTHERN TRUST EIN 36-3046063 NONE | Trustee (discretionary) Service code 24 | — | $96K |
| MCCONNELL & JONES EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $39K |
| STANDISH MELLON EIN 23-3094847 NONE | Investment management Service code 28 | — | $38K |
| CIGNA EIN 06-0303370 NONE | Account maintenance fees Service code 65 | — | $30K |
| WELLS FARGO EIN 94-1347393 NONE | Trustee (discretionary) Service code 24 | — | $10K |
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 | 25,689 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9,416 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,632 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,632 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.