| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | — | $166K | $166K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | $101K | $175K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 91367 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $1K | $3K | 3.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 10 S WACKER DR, SUITE 1700 CHICAGO, IL 60606 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $9K | — | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | — | $703 | $703 | 2.49% |
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 | 25,366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 718 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,017 | $10.9M |
| Vision | VISION SERVICE PLAN | 16,695 | $2.8M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,247 | $8.3M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 713 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,133 | $4.9M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,017 | $10.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 41,247 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,247 | — |
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.