| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS LLC | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $400K | — | $400K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON STREET BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $366K | — | $366K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 0.40% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE PLUS | $143K | — | $143K | 6.85% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE. 1100 CHICAGO, IL 60606 | EYEMED VISION CARE PLUS | $0 | $76K | $76K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE BASIC | $63K | — | $63K | 6.86% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE.1100 CHICAGO, IL 60606 | EYEMED VISION CARE BASIC | — | $34K | $34K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 321 N. CLARK STREET SUITE 940 CHICAGO, IL 60654 | LEGAL ACCESS CONSULTING, LLC | — | $49K | $49K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PKWY. #300 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $227 | $227 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $64.2M |
| UMR,INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $11.6M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $674K |
| 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 | 24,334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,066 | $14.8M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE PLUS | 18,133 | $3.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 24,334 | $16.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 24,334 | $16.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 24,334 | $16.1M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 200,672 | $4.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 24,334 | $16.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200,672 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.