| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVS LLC | — | HARTFORD LIFE AND ACCIDENT | $264K | $409K | $673K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | — | HARTFORD LIFE AND ACCIDENT | $117K | — | $117K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | — | HARTFORD LIFE AND ACCIDENT | $466 | $864 | $1K | 42.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MORGAN STANLEY EIN 13-3040307 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $69K |
| SEGALL, BRYANT & HAMILL EIN 41-1788385 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $63K |
| BROWN CAPITAL MANAGEMENT EIN 27-4453139 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management; Soft dollars commissions Service code 28 | — | $60K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE/CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Float revenue; Custodial (securities); Investment management fees paid indirectly by plan; Soft dollars commissions Service code 19 | — | $40K |
| EXELON BUSINESS SERVICES EIN 23-3063219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $12K |
| MITCHELL & TITUS, LLP EIN 13-2781641 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 | 33,591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22,550 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 56,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 56,141 | $39.9M |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 56,141 | $42.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,141 | — |
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.