| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFICRESOURCES BENEFITADVISORSLLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METLIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PACIFICRESOURCES BENEFITADVISORSLLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $737K | $399K | $1.1M | 2.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | HARTFORD LIFE AND ACCIDENT | $128K | — | $128K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 021083107 | METROPOLIAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.04% |
| PACIFICRESOURCES BENEFITADVISORSLLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.34% |
| PACIFICRESOURCES BENEFITADVISORSLLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 2.20% |
| PACIFICRESOURCES BENEFITADVISORSLLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| MERCER HEALTH & BENEFITS LLC NONE | Actuarial; Direct payment from the plan Service code 11 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10017 | $41K |
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 | 54,271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45,345 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLIAN LIFE INSURANCE COMPANY | 3,171 | $889K |
| Life insurance(4 contracts, 2 carriers) | METLIFE INSURANCE COMPANY | 99,616 | $132.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,653 | $642K |
| Other(4 contracts, 3 carriers) | METLIFE INSURANCE COMPANY | 99,616 | $133.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99,616 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.