| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | — | HARTFORD LIFE AND ACCIDENT | — | $183K | $183K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | — | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST, STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 104.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST, STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 585.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD, STE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST, STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 25193.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST, STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $0 | $0 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST, STE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | — |
No Schedule C service providers reported on this filing.
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 | 5,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,757 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 14,655 | $12.1M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 294 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,655 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.