| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | — | $9K | $9K | 0.08% |
| AON CONSULTING INC3 | — | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | — | $7K | $7K | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METLIFE LEGAL PLANS | $74K | $811 | $75K | 10.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METLIFE LEGAL PLANS | — | $11K | $11K | 1.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METLIFE LEGAL PLANS | — | $55 | $55 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 9.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 10.00% |
| CURALINC HEALTHCARE3 | — | CURALINC HEALTHCARE | — | $62K | $62K | 21.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | — | TRIPLE S SALUD, INC. | $5K | — | $5K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | — | ACE AMERICAN INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $280 | $120 | $400 | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA RD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | — | DELTA DENTAL OF PUERTO RICO, INC. | $821 | — | $821 | 10.00% |
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 | 23,918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 823 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,403 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 290 | $3.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,138 | $1.6M |
| Vision | VISION SERVICE PLAN | 18,711 | $4.1M |
| Life insurance | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | 22,641 | $10.9M |
| Long-term disability | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | 22,176 | $6.5M |
| Prescription drug | TRIPLE S SALUD, INC. | 20 | $101K |
| Other(10 contracts, 7 carriers) | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | 45,918 | $17.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,918 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.