| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVS LLC | — | HARTFORD LIFE AND ACCIDENT | $245K | $337K | $582K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | — | HARTFORD LIFE AND ACCIDENT | $79K | $18K | $96K | 6.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGALL BRYANT & HAMILL EIN 41-1788385 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $63K |
| BROWN CAPITAL MANAGEMENT EIN 27-4453139 INVESTMENT MANAGEMENT | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $49K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE/CUSTODIAN | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Custodial (other than securities) Service code 18 | — | $33K |
| WASHINGTON, PITTMAN & MCKEEVER, LLC EIN 36-4189747 AUDITOR | Accounting (including auditing) Service code 10 | — | $9K |
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 | 29,760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20,327 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 50,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 50,087 | $32.9M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 50,087 | $34.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,087 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.