| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVS LLC | — | HARTFORD LIFE AND ACCIDENT | $265K | $319K | $583K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | — | HARTFORD LIFE AND ACCIDENT | $92K | — | $92K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MORGAN STANLEY EIN 13-3040307 INVESTMENT MANAGEMENT | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $94K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 INVESTMENT MANAGEMENT | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $65K |
| BROWN CAPITAL MANAGEMENT EIN 27-4453139 INVESTMENT MANAGEMENT | Soft dollars commissions; Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $48K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE/CUSTODIAN | Custodial (other than securities); Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 18 | — | $35K |
| EXELON BUSINESS SERVICES COMPANY EIN 23-3063219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $16K |
| WASHINGTON, PITTMAN & MCKEEVER, LLC EIN 36-4189747 AUDITOR | Accounting (including auditing) Service code 10 | — | $10K |
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 | 30,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16,836 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 46,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 46,889 | $36.0M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 46,889 | $37.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,889 | — |
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.