| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $195K | $195K | 0.60% |
| VERIZON COMMUNICATIONS5 | 500 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $329K | $329K | 2.78% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 0.60% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVESUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.05% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $415K | — | $415K | 4.38% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 0.31% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.03% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | — | $96 | $96 | 0.01% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $68 | $68 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.48% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $528 | $528 | 2.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BANK OF NY MELLON EIN 13-5160382 NONE | Investment management; Custodial (other than securities); Direct payment from the plan; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Other services; Float revenue; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 18 | — | $344K |
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Other services; Investment management; Direct payment from the plan; Soft dollars commissions Service code 28 | — | $247K |
| COMPSYCH EIN 35-3739783 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $196K |
| BLACKROCK INSTITUTIONAL TRUST EIN 94-3112180 NONE | Investment management; Investment management fees paid directly by plan; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $90K |
| GRANTHAM, MAYO, VAN OTTERLOO & CO EIN 04-2691242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $81K |
| GOLDMAN SACHS ASSET MANAGEMENT EIN 13-3575636 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| ROBECO INVESTMENT MANAGEMENT EIN 98-0202744 NONE | Investment management fees paid indirectly by plan; Other investment fees and expenses; Investment management fees paid directly by plan; Investment management; Securities brokerage commissions and fees Service code 28 | — | $67K |
| JACOBS LEVY EQUITY MANAGEMENT EIN 22-2774695 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions; Investment management fees paid indirectly by plan Service code 28 | — | $51K |
| WESTERN ASSET MANAGEMENT CO (WAMCO) EIN 95-2705767 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $24K |
| LOOMIS SAYLES & COMPANY EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $24K |
| COVINGTON & BURLING LLP EIN 53-0188411 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| MONDRIAN INVESTMENT GROUP EIN 56-2475915 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $20K |
| BRANDES INVESTMENT PARTNERS EIN 33-0704072 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $19K |
| KPMG LLP EIN 13-5565207 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| JPM INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Investment management; Investment advisory (plan); Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 27 | — | $17K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| PACIFIC INVESTMENT MANAGEMENT CO. EIN 33-0629048 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
| MITCHELL & TITUS, LLP EIN 13-2781641 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| PARAMETRIC PORTFOLIO ASSOCIATE EIN 20-0292745 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $8K |
| ALLIANCE BERNSTEIN LP EIN 13-4064930 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management; Soft dollars commissions Service code 28 | — | $6K |
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 | 127,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,612 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN INC,SOUTHERN CA | 7,016 | $98.8M |
| Dental | AETNA INC. | 37,784 | $9.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 289,517 | $8.7M |
| Life insurance(10 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 81,839 | $74.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,052 | $985K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 76,834 | $34.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 137,685 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289,517 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.