| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON STEET BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $108K | $248K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 1 BEACON STREET BOSTON, MA 02108 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $110K | $110K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PACIFIC RESOURCES | 75 STATE STREET #1710 BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $10K | $10K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $29K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $25K | $4K | $29K | 11.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS,LLC | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 913672525 | ZURICH AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
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 | 13,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,270 | $403K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,830 | $4.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 13,767 | $765K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,128 | $5.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,128 | $5.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,128 | $5.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,128 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,767 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.