| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $434K | — | $434K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $323K | — | $323K | 2.15% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.03% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE. 300 ALPHARETTA, GA 300097630 | SUN LIFE ASSURANCE COMPANY OF CANADA | $234K | $24K | $258K | 6.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE PLUS | $153K | $0 | $153K | 7.49% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE. 1100 CHICAGO, IL 60606 | EYEMED VISION CARE PLUS | — | $81K | $81K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE BASIC | $68K | — | $68K | 7.49% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE.1100 CHICAGO, IL 60606 | EYEMED VISION CARE BASIC | — | $36K | $36K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS HOUSTON LLC | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $83K | $1K | $84K | 15.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 321 N. CLARK STREET SUITE 940 CHICAGO, IL 60654 | LEGAL ACCESS CONSULTING, LLC | — | $45K | $45K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $52.1M |
| UMR,INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $11.2M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $659K |
| BSWIFT LLC THIRD PARTY ADMIN FEE | Recordkeeping fees Service code 64 | P.O. BOX 860470 MINNEAPOLIS, MN 55486 | $0 |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN FEE | Recordkeeping fees Service code 64 | — | $0 |
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 | 23,815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC.-CA | 1,054 | $8.8M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE PLUS | 17,568 | $2.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,815 | $15.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,815 | $15.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,815 | $15.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,368 | $4.3M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,815 | $16.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,815 | — |
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.