| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $201K | $104K | $305K | 3.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 100 PINE STREET, 11TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | — | $60K | $60K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $129K | — | $129K | 2.42% |
| CLARITY BENEFIT CONSULTING LLC3 Filed as: CLARITY BENEFIT CONSULTING, LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 300097630 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $27K | $53K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 3500 LENOX RD, STE 900 ATLANTA, GA 30326 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 19367 | VISION SERVICE PLAN | $121K | — | $121K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $105K | — | $105K | 2.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $751K | — | $751K | 56.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $8K | — | $8K | 10.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC - HQ | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $4K | $4K | 5.08% |
| ULR INSURANCE SERVICES, INC3 | SENDERO ANGELICA7811 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $2K | — | $2K | 2.05% |
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 | 45,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 45,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,261 | $168.5M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,261 | $158.9M |
| Vision | VISION SERVICE PLAN | 19,476 | $4.0M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 45,732 | $5.3M |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 47,265 | $9.4M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 47,265 | $8.1M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC | 40,170 | $1.1M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 45,732 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,265 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.