| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $134 | $134 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $7.2M |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $506K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $351K |
| BEST DOCTORS EIN 04-2908444 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $106K |
| PBM PLUS OMNICARE SPECIALTY CARE GP EIN 39-1789830 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $51K |
| CITIBANK EIN 13-3124140 NONE | Other services; Account maintenance fees; Direct payment from the plan Service code 49 | — | $22K |
| CONNECTICUT GENERAL LIFE INS. CO. EIN 06-0303370 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23,393 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,497 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,497 | — |
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.