| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN ADVISORS LLC | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $157K | $157K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $224K | — | $224K | 5.04% |
| THE HARTY PRESS INC.5 Filed as: THE HARTY PRESS | 25 JAMES STREET NEW HAVEN, CT 06513 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.16% |
| THE HARTY PRESS INC.5 | 15 JAMES STREET PO BOX 324 NEW HAVEN, CT 06513 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9 | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $19K | $38K | $57K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $6K | — | $6K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $3K | — | $3K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $31K | 12.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $5K | $28K | 12.20% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TPKE., GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $98 | — | $98 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $40 | — | $40 | 0.77% |
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 | 15,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 480 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 153 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,668 | $5.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,942 | $7.6M |
| Vision(4 contracts) | EYEMED VISION CARE | 13,458 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,579 | $4.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 15,498 | $1.9M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40,700 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,700 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.