| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $99K | $99K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$5K | -$5K | -0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $122K | $122K | 2.02% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 080371363 | RELIASTAR LIFE INSURANCE COMPANY | $621K | — | $621K | 21.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $90K | $90K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36K | $36K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $938 | $938 | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 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 | 33,245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 743 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,245 | $7.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,245 | $6.1M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 37,202 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,202 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.