| 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 | $113K | — | $113K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $17K | $17K | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 321 N. CLARK STREET 940 CHICAGO, IL 60654 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $400K | $400K | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $196.8M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $36.1M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $29.4M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $16.9M |
| OPTUMRX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $16.8M |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $9.6M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $8.8M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $4.8M |
| MCS LIFE INSURANCE CO EIN 66-0520918 NONE | Claims processing Service code 12 | — | $2.4M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.4M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.4M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.3M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $2.1M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| DENTAL PR EIN 68-0652604 NONE | Claims processing Service code 12 | — | $630K |
| MC-21 LLC EIN 94-3276520 NONE | Claims processing Service code 12 | — | $396K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $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 | 1,665,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,383 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,672,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 15 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 37,983 | $536.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $577K |
| Vision | VISION SERVICE PLAN | 614,292 | $62.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 958,163 | $194.7M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 367,209 | $116.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 367,209 | $116.0M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 37,983 | $364.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 958,163 | $259.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958,163 | — |
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.