| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $900K | — | $900K | 0.48% |
| 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 | — | $202K | $202K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 321 N. CLARK STREET 940 CHICAGO, IL 60654 | ALLSTATE | $856K | $400K | $1.3M | 1.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | 304 PONCE DE LEON AVE. SUITE 1000 SAN JUAN, PR 00918 | TRIPLE-S SALUD, INC. | $174K | — | $174K | 12.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $180.2M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $58.6M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $43.3M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $29.9M |
| MEDCO EIN 22-3461740 NONE | Claims processing Service code 12 | — | $15.0M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $9.8M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $2.9M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.5M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.3M |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $2.3M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.0M |
| TRIPLE-S SALUD, INC. EIN 66-0555677 NONE | Claims processing Service code 12 | — | $1.6M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $1.2M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $935K |
| MERCER HUMAN RESOURCES EIN 13-2834414 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $784K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $48K |
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 | 1,534,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,687 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,539,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 15 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 40,233 | $504.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $1.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 627,705 | $91.7M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 898,367 | $186.6M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 420,067 | $99.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 420,067 | $99.0M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 40,233 | $274.3M |
| Stop-loss / reinsurancereinsurance | TRIPLE-S SALUD, INC. | 7,841 | $1.3M |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 968,281 | $274.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968,281 | — |
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.