| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $136K | $136K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $160K | $160K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BOULEVARD #635 WOODLAND HILLS, CA 91367 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.82% |
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 | 44,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 708 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48 | $835K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48 | $835K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 76,263 | $3.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 67,916 | $9.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,944 | $6.6M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 43,944 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76,263 | — |
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.