| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $28K | $28K | 1.72% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | VISION SERVICE PLAN | — | $7K | $7K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $71 | $71 | 1.73% |
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 | 4,252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,662 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 372 | $61K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 1,937 | $1.6M |
| Other | SECURIAN LIFE INSURANCE COMPANY | 930 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,937 | — |
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.