| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $7K | $50K | 11.29% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 606613671 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $4K | $30K | 11.32% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 606613671 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $22K | — | $22K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $637 | $637 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 11.23% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 606613571 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | $870 | $1K | 41.46% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 606613671 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $98 | $98 | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $126 | $42 | $168 | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $108 | $37 | $145 | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | $520 | $593 | 75.16% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $55 | $385 | $440 | 81.48% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 2.96% |
No Schedule C service providers reported on this filing.
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 | 1,881 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,737 | $926K |
| Other | METLIFE LEGAL PLANS | 970 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,737 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.