| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 91367 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $227K | $0 | $227K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 21300 VICTORY BLVD SUITE 635 WOODLAND, CA 91367 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $215K | $215K | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., SUITE 1710 SUITE 635 BOSTON, MA 02109 | VISION SERVICE PLAN | $0 | $73K | $73K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 91367 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.23% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 91367 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY MUTUAL ASSURANCE COMPANY OF EIN 04-6076039 NONE | Other fees; Other services Service code 49 | BOSTON 175 BERKELEY STREET BOSTON, MA 02116 | $1.4M |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 NONE | Claims processing; Other services; Other fees; Plan Administrator Service code 12 | P.O. BOX 39000 SAN FRANCISCO, CA 941395897 | $777K |
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 | 32,270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 744 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,870 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 25,311 | $3.5M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 44,252 | $18.8M |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 29,988 | $12.0M |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 44,252 | $19.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,252 | — |
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.