| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVS LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | -$285K | $321K | $35K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGALL, BRYANT & HAMILL, LLC EIN 35-2679129 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $78K |
| EXELON BUSINESS SERVICES CO. EIN 23-3063219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $26K |
| MITCHELL & TITUS, LLP EIN 13-2781641 AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE/CUSTODIAN | Investment management fees paid directly by plan; Float revenue; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Soft dollars commissions Service code 19 | — | $12K |
| MORGAN STANLEY INVESTMENT MGT INC EIN 13-3040307 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 INVESTMENT MANAGEMENT | Investment management; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management fees paid directly by plan Service code 21 | — | $5K |
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 | 19,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 32,097 | $22.8M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 32,097 | $24.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,097 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.