| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | — | HARTFORD LIFE AND ACCIDENT | $0 | $305K | $305K | 1.82% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | — | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGALL, BRYANT & HAMILL EIN 35-2679129 INVESTMENT MANAGEMENT | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $53K |
| CONSTELLATION ENERGY GENERATION LLC EIN 23-3064219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $17K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE/CUSTODIAN | Soft dollars commissions; Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Float revenue Service code 19 | — | $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 | 13,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,691 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 55,313 | $16.7M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 55,313 | $17.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,313 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.