| 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 | $891K | — | $891K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | ALLSTATE | $1.2M | — | $1.2M | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $106K | $106K | 0.14% |
| AON CONSULTING INC3 Filed as: HEWITT INSURANCE, INC. | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 000000919 | TRIPLE-S SALUD, INC. | $239K | — | $239K | 24.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $171.3M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $61.7M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $56.8M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $31.9M |
| MEDCO EIN 22-3461740 NONE | Claims processing Service code 12 | — | $17.7M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $9.8M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.8M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.3M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.2M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $2.0M |
| TRIPLE-S SALUD, INC. EIN 66-0555677 NONE | Claims processing Service code 12 | — | $1.9M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.1M |
| MERCER HUMAN RESOURCES EIN 13-2834414 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $928K |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $805K |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $674K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $50K |
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 | 1,572,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,640 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,577,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA | 987,808 | $586.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $1.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 624,726 | $90.8M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 885,207 | $179.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 452,883 | $76.6M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA | 41,993 | $282.7M |
| Stop-loss / reinsurancereinsurance | TRIPLE-S SALUD, INC. | 8,212 | $989K |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 987,808 | $264.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987,808 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.