| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $392K | $392K | 1.30% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 0.44% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.03% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $410K | — | $410K | 3.69% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 0.21% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.26% |
| 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 | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $608 | $608 | 1.37% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $566 | $566 | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Investment management; Other services; Soft dollars commissions; Direct payment from the plan; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $439K |
| COMPSYCH EIN 35-3739783 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $172K |
| GRANTHAM,MAYO,VAN OTTERLOO&CO (GMO) EIN 04-2691242 NONE | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $165K |
| THE BANK OF NY MELLON EIN 13-5160382 TRUSTEE | Direct payment from the plan; Custodial (other than securities); Other services; Custodial (securities); Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 18 | — | $101K |
| KPMG LLP EIN 13-5565207 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| MITCHELL & TITUS EIN 13-2781641 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| JPM INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $11K |
| GOLDMAN SACHS ASSET MANAGEMENT EIN 13-3575636 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
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 | 101,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,734 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109,819 | 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 | 3,241 | $56.4M |
| Dental | AETNA INC. | 26,208 | $6.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 235,718 | $6.6M |
| Life insurance(7 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 64,020 | $73.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,204 | $615K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 61,535 | $30.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 130,246 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235,718 | — |
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."
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.