| 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 | — | $322K | $322K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS, | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $272K | $272K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | VISION SERVICE PLAN | — | $71K | $71K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Other services; Other fees Service code 49 | P. O. BOX 92593 CHICAGO, IL 60675 | $1.8M |
| LINCOLN NATIONAL LIFE INSURANCE EIN 35-0472300 NONE | Other services; Other fees; Plan Administrator; Claims processing Service code 12 | COMPANY 1400 LIBERTY WAY DOVER, NH 03820 | $1.6M |
| UNITED BEHAVIORAL HEALTH DDA OPTUM EIN 94-2649097 NONE | Claims processing; Plan Administrator; Other fees; Other services Service code 12 | PO BOX 39000 SAN FRANCISCO, CA 941395897 | $1.0M |
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 | 28,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7,594 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 23,311 | $3.9M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 70,142 | $19.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27,788 | $15.6M |
| Other(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 70,142 | $19.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70,142 | — |
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.