| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENE ADVISORS LLC | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $84K | $155K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 75 STATE ST BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $37K | — | $37K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENE ADVISORS LLC | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | NATIONAL UNION FIRE INS. CO. PITTSBURGH, PA | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $109K |
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 | 6,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 454 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 74 | $366K |
| Dental | AETNA LIFE INSURANCE COMPANY | 74 | $366K |
| Vision | AETNA LIFE INSURANCE COMPANY | 74 | $366K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,785 | $4.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,785 | $4.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,785 | $4.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,785 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,785 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.