| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $97K | $97K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $84K | $84K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 0.45% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 080371363 | RELIASTAR LIFE INSURANCE COMPANY | $765K | — | $765K | 30.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGIO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $50K | $50K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $27K | $27K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET 9TH FLOOR, SUITE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $786 | $786 | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $396 | $396 | 0.83% |
| AON CONSULTING INC3 | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 38,359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,685 | $8.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,685 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,685 | $5.6M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 38,685 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,685 | — |
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.