| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $104K | $104K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $244K | $67K | $311K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $54K | $33K | $86K | 1.49% |
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 | 30,437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 218 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,840 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,246 | $14.4M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 47,985 | $3.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 30,432 | $5.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 30,456 | $5.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 47,985 | $3.1M |
| Other | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 47,985 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,985 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.