| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $868K | — | $868K | 0.46% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.00% |
| 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 | — | $201K | $201K | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 321 N. CLARK STREET 940 CHICAGO, IL 60654 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $716K | $400K | $1.1M | 1.56% |
| 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. | $164K | — | $164K | 18.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $189.1M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $39.0M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $27.2M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $27.1M |
| MEDCO EIN 22-3461740 NONE | Claims processing Service code 12 | — | $15.1M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $9.2M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $4.1M |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $3.4M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.5M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.4M |
| TRIPLE-S SALUD, INC. EIN 66-0555677 NONE | Claims processing Service code 12 | — | $2.2M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.0M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $1.5M |
| 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 | — | $855K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $42K |
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 | 1,528,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,892 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,534,283 | 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 | 38,602 | $535.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $915K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 608,630 | $88.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 908,615 | $189.4M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 405,686 | $89.8M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 405,686 | $89.8M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 38,602 | $284.2M |
| Stop-loss / reinsurancereinsurance | TRIPLE-S SALUD, INC. | 7,211 | $877K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 909,590 | $262.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909,590 | — |
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.