| 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 02109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $280K | $280K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, ME 02109 | HARTFORD LIFE AND ACCIDENT | — | $110K | $110K | 1.35% |
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 | 49,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 351 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 49,554 | 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 | 1,457 | $15.7M |
| Dental | AETNA LIFE INSURANCE CO. | 7,725 | $1.9M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 69 | $285K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 86,646 | $14.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 66,972 | $8.1M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC - NORTHERN CALIFORNIA | 1,457 | $15.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 86,646 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86,646 | — |
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.