| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 91367 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $871K | — | $871K | 0.52% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042327 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 741909 ATLANTA, GA 303741909 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $100K | $100K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | ALLSTATE | $1.1M | — | $1.1M | 1.60% |
| AON CONSULTING INC3 Filed as: HEWITT INSURANCE, INC. | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 000000919 | TRIPLE-S SALUD, INC. | $161K | — | $161K | 21.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $163.4M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $60.8M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $57.9M |
| MEDCO EIN 22-3461740 NONE | Claims processing Service code 12 | — | $16.9M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $14.1M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $8.2M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.7M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.2M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.2M |
| TRIPLE-S SALUD, INC. EIN 66-0555677 NONE | Claims processing Service code 12 | — | $1.5M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $1.4M |
| MERCER HUMAN RESOURCES EIN 13-2834414 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.2M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $1.1M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $900K |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $267K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $54K |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Consulting (general) Service code 16 | — | $8K |
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 | 1,528,906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,761 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,533,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 20 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA | 865,886 | $608.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $1.7M |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 543,207 | $130.6M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 844,645 | $166.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 438,260 | $75.9M |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA | 43,221 | $289.6M |
| Stop-loss / reinsurancereinsurance | TRIPLE-S SALUD, INC. | 8,225 | $737K |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 844,645 | $168.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865,886 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.