| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $6K | $26K | 2.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 1.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $6K | $26K | 2.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 1.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALIANT INSURANCE SERVICES, INC | 900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES,INC. | $0 | $1K | $1K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MELLON CAPITAL MANAGEMENT EIN 24-1442864 TRUSTEE | Investment management; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $431K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE/CUSTODIAL | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Investment management Service code 21 | — | $75K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $35K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| TOWERS WASTON INVESTMENT SERVICES EIN 52-1868818 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $25K |
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 | 1,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,961 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $2.0M |
| Other | EMPATHIA, INC. | 2,185 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,185 | — |
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.