| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $749K | — | $749K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 0.16% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $24.8M | — | $24.8M | 1000.00% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | — | AETNA LIFE INSURANCE COMPANY | $4K | $457 | $4K | 12.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PICA EIN 22-1211670 CONTRACT ADMINISTRATOR | Shareholder servicing fees; Contract Administrator Service code 13 | — | $2K |
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 | 76,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,285 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 84,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 62,855 | $5.0M |
| Life insurance(6 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 79,067 | $42.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,047 | $404K |
| Other(3 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 87,745 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87,745 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.