| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $46K | $60K | $106K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | $9K | $54K | 11.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 311 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $696 | $1K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | $102 | $327 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.60% |
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 | 16,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 12,868 | $763K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,667 | $3.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,667 | $3.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,667 | $3.3M |
| Other(9 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16,752 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,752 | — |
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.