| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD. STE 635 WOODLAND HILLS, CA 913672525 | METLIFE INSURANCE COMPANY | $32K | $156K | $188K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $416K | $117K | $534K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $224K |
| MERCER HEALTH & BENEFITS LLC NONE | Direct payment from the plan; Actuarial Service code 11 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10017 | $22K |
| WILLIS TOWERS WATSON NONE | Actuarial Service code 11 | 335 MADISON AVENUE NEW YORK, NY 10017 | $0 |
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 | 56,987 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55,825 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112,812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METLIFE INSURANCE COMPANY | 112,812 | $120.4M |
| Other(2 contracts, 2 carriers) | METLIFE INSURANCE COMPANY | 112,812 | $120.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112,812 | — |
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.