| 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 | — | $74K | $74K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710, 75 STATE STREET BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $174K | — | $174K | 3.91% |
| 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 BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $14K | $14K | $28K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $5K | — | $5K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $4K | — | $4K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $5K | $40K | 11.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $4K | $37K | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TPKE., GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $62 | — | $62 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE | $40 | — | $40 | 0.79% |
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 | 14,995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,429 | $5.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,449 | $7.4M |
| Vision(4 contracts) | EYEMED VISION CARE | 12,366 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,087 | $4.4M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 15,514 | $1.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 39,411 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,411 | — |
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."
No prospect flags tripped on this filing.