| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $23K | $86K | 4.71% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653566 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $27 | $25K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 0.01% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653566 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $11K | $46K | 4.82% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653566 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $27 | $25K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | — | $647 | $647 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., STE 1710 BOSTON, MA 02109 | HYATT LEGAL PLANS | $3K | $988 | $4K | 7.74% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | HYATT LEGAL PLANS | $2K | — | $2K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET STE 940 CHICAGO, IL 60654 | HYATT LEGAL PLANS | — | $163 | $163 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD SUITED 635 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | — |
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 | 3,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $160K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,360 | $1.4M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 3,934 | $426K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,357 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 712 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,473 | $945K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,357 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,357 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.