| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISOR | 75 STATE ST STE 170 BOSTON, MA 021091807 | METROPOLITAN LIFE INSRUANCE COMPANY | $121K | $105K | $226K | 2.67% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 770423406 | METROPOLITAN LIFE INSRUANCE COMPANY | $64K | $73K | $137K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $8K | $79K | $87K | 6.29% |
| PRUDENTIAL3 | 100 N SEPULVEDA BLVD., SUITE 500 EL SEGUNDO, CA 90245 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322K | — | $322K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 N/A | Claims processing Service code 12 | — | $1.5M |
| EMPYREAN BENEFIT SOLUTIONS, INC. EIN 20-3029813 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.4M |
| METLIFE EIN 13-5581829 N/A | Claims processing Service code 12 | — | $110K |
| CVS CAREMARK EIN 51-0353040 N/A | Claims processing Service code 12 | — | $77K |
| THE NORTHERN TRUST EIN 36-1251860 N/A | Trustee (directed) Service code 25 | — | $13K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,035 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSRUANCE COMPANY | 6,804 | $9.8M |
| Other | METROPOLITAN LIFE INSRUANCE COMPANY | 6,804 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,804 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.