| 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 | $0 | $314K | $314K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS, | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $118K | $118K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS, | 321 N CLARK ST SUITE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $76K | $76K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE COMPANY OF EIN 04-6076039 NONE | Other services; Other fees Service code 49 | BOSTON 100 LIBERTY WAY DOVER, NH 03820 | $1.3M |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 NONE | Other fees; Plan Administrator; Other services; Claims processing Service code 12 | P.O. BOX 39000 SAN FRANCISCO, CA 941395897 | $687K |
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 | 30,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,721 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,229 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 24,882 | $4.0M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 41,673 | $17.7M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 41,553 | $15.1M |
| Other(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 41,673 | $18.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,673 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.