| 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 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $28K | $94K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $6K | $23K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $12K | $20K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21400 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | $585 | $96 | $681 | 17.46% |
| ULLIANCE, INC3 | 901 WILSHIRE DR., STE 210 TROY, MI 48084 | ULLIANCE, INC. | — | $86K | $86K | — |
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 | 3,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,914 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,025 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $175K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $175K |
| Vision | VSP | 2,494 | $347K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,958 | $2.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,093 | $561K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,958 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,958 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.