| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEECHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $35K | $66K | 14.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEACHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $18K | $44K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEECHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEECHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | UNUM LIFE INSUARANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.54% |
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 | 2,889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,499 | $414K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,701 | $569K |
| Short-term disability | UNUM LIFE INSUARANCE COMPANY OF AMERICA | 0 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,463 | $369K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 3,817 | $784K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,920 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,817 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.