| 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 | $61K | $91K | $152K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72K | $12K | $85K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET STE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $895 | $454 | $1K | 22.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET STE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET STE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET STE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET STE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | — | $10 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | — |
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 | 17,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 101 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 13,281 | $860K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,590 | $4.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,590 | $4.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,590 | $4.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 101 | $0 |
| Other(10 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21,451 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,451 | — |
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.