| 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 | $588K | $588K | 1.87% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $70K | — | $70K | 0.42% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVESUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.03% |
| MIGU PRESS INC5 | 260 IVYLAND ROAD WARMINSTER, PA 18974 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $423K | — | $423K | 3.65% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27K | $27K | 0.24% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $32K | — | $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 | $746 | $746 | 1.62% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $378 | $378 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Other services; Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $350K |
| COMPSYCH | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $187K |
| THE BANK OF NY MELLON EIN 13-5160382 NONE | Custodial (other than securities); Other services; Investment management; Custodial (securities); Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 18 | — | $175K |
| GRANTHAM,MAYO,VAN OTTERLOO&CO (GMO) EIN 04-2691242 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $127K |
| KPMG LLP EIN 13-5565207 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| BLACKROCK INSTITUTIONAL TRUST EIN 94-3112180 NONE | Direct payment from the plan; Trustee (discretionary); Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $45K |
| GOLDMAN SACHS ASSET MANAGEMENT EIN 13-3575636 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $43K |
| ROBECO INVESTMENT MANAGEMENT EIN 98-0202744 NONE | Investment management fees paid directly by plan; Other investment fees and expenses; Investment management; Securities brokerage commissions and fees; Investment management fees paid indirectly by plan Service code 28 | — | $41K |
| JACOBS LEVY EQUITY MANAGEMENT EIN 22-2774695 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $29K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| WESTERN ASSET MANAGEMENT CO (WAMCO) EIN 95-2705767 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $11K |
| MITCHELL & TITUS EIN 13-2781641 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| JPM INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Investment management; Investment advisory (plan); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 27 | — | $8K |
| PARAMETRIC PORTFOLIO ASSOCIATE EIN 20-0292745 NONE | Investment management fees paid directly by plan; Investment management 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 | 107,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,770 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN INC,SOUTHERN CA | 3,446 | $71.6M |
| Dental | AETNA INC. | 30,580 | $7.8M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 246,351 | $7.6M |
| Life insurance(10 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 73,455 | $72.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,404 | $908K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 69,710 | $32.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 128,197 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246,351 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.