| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 6.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PICA EIN 22-1211670 CONTRACT ADMINISTRATOR | Shareholder servicing fees; Contract Administrator Service code 13 | — | $686 |
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 | 70,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,236 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 78,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 47,842 | $3.7M |
| Life insurance(6 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 70,301 | $46.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,828 | $376K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 69,605 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70,301 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.