| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $92K | $55K | $147K | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $8K | $52K | 12.27% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY, LLC | ONE SEAGATE STE 2050 TOLEDO, OH 43604 | HM LIFE INSURANCE COMPANY | $34K | $0 | $34K | 10.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 950 MAIN AVE STE 1600 CLEVELAND, OH 44134 | HM LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.82% |
| AON CONSULTING INC3 | 950 MAIN AVE STE 1600 CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.76% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.77% |
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 | 5,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 215 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 6,844 | $334K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,205 | $2.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,205 | $2.1M |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 230 | $312K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,205 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,844 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.