| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $48K | $58K | $105K | 3.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | AETNA LIFE INSURANCE COMPANY | — | $8K | $8K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $30K | 10.88% |
| RR DONNELLEY & SONS3 | 35 W WACKER DR 37TH FLOOR CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $727 | $4K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 9.79% |
| RR DONNELLEY & SONS3 | 35 W WACKER DR 37 FLOOR CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $586 | $3K | 1.13% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TPKE., GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.34% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 17,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 161 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | DEAN HEALTH PLAN INC | 1,675 | $4.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,298 | $12.7M |
| Vision(4 contracts) | EYEMED VISION CARE | 17,206 | $2.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 17,064 | $3.1M |
| Prescription drug | DEAN HEALTH PLAN INC | 859 | $2.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,002 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,298 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.