| 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 | $226K | $49 | $226K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $10K | $10K | $21K | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $15.3M |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Plan Administrator Service code 12 | — | $501K |
| CVS CAREMARK PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Plan Administrator Service code 12 | — | $345K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-0797057 NONE | Custodial (securities); Contract Administrator; Trustee (bank, trust company, or similar financial institution); Investment management Service code 13 | — | $5K |
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 | 41,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 41,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC-NORTHERN CALIFORNIA | 1,610 | $15.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 59,887 | $8.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 74,729 | $20.8M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC-NORTHERN CALIFORNIA | 1,610 | $15.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 74,729 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74,729 | — |
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.