| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $195K | $109K | $304K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 3500 LENOX RD, STE 900 ATLANTA, GA 30326 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $85K | $85K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $148K | $32K | $180K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $39K | $81K | $120K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $189K | — | $189K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 021091807 | VISION SERVICE PLAN | $14K | — | $14K | 0.34% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.4M | — | $1.4M | 33.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860K | — | $860K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $80K | $27K | $107K | 5.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $7K | — | $7K | 9.37% |
| 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 | — | $2K | $2K | 3.19% |
| ULR INSURANCE SERVICES, INC3 | SENDERO ANGELICA7811 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $1K | — | $1K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER DIRECT HEALTHCARE EIN 45-3780484 | Contract Administrator Service code 13 | — | $131K |
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 | 42,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 43,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,837 | $177.7M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,837 | $167.7M |
| Vision | VISION SERVICE PLAN | 20,569 | $4.1M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 42,442 | $6.5M |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 49,470 | $8.5M |
| Long-term disability(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 49,643 | $6.5M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC | 40,734 | $1.1M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 42,442 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,643 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.