| 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 | $517K | — | $517K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $254K | — | $254K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1710 75 STATE ST BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $28K | $2K | $30K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | — | AETNA LIFE INSURANCE COMPANY | $4K | $997 | $5K | 12.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PICA EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator; Shareholder servicing fees Service code 13 | — | $10K |
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 | 73,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,723 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 82,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 6 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 58,153 | $4.6M |
| Life insurance(6 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 75,618 | $45.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,763 | $413K |
| Other(3 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 69,842 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,618 | — |
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.