| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $95K | $68K | $164K | 4.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $896 | $896 | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $144 | $144 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 NORTH CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $31K | $69K | 5.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $8K | — | $8K | 10.15% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $362 | — | $362 | 4.73% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043670 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 5905 E. GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 452362378 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.07% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 5405 CYPRESS CENTER DRIVE SUITE 100 TAMPA, FL 33609 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.05% |
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 | 5,026 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 45 | $223K |
| Dental | AETNA LIFE INSURANCE COMPANY | 45 | $223K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,265 | $59K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,349 | $3.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,939 | $1.3M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,349 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,349 | — |
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.