| 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 | — | $318K | $318K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS, | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $254K | $254K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE COMPANY OF EIN 04-6076039 NONE | Other fees; Other services; Claims processing; Plan Administrator Service code 12 | BOSTON 100 LIBERTY WAY DOVER, NH 03820 | $1.6M |
| UNITED BEHAVIORAL HEALTH DDA OPTUM EIN 94-2649097 NONE | Other services; Claims processing; Plan Administrator; Other fees Service code 12 | P.O. BOX 39000 SAN FRANCISCO, CA 941395897 | $764K |
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 | 28,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 989 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,096 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 23,772 | $3.8M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 73,310 | $18.6M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 27,724 | $15.6M |
| Other(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 73,310 | $18.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,310 | — |
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.