| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $362K | $395K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $89K | $98K | 0.36% |
| PACIFIC RESOURCE BENEFIT ADVISORS3 | 321 N CLARK ST SUITE 940 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $149K | $149K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY ST, F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 0.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE COMPANY OF AMERICA | $292K | — | $292K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $163K | $14K | $176K | 8.03% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $418K | $64K | $482K | 22.26% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84K | $84K | 3.86% |
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 | 59,675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,712 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 61,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 26,645 | $8.0M |
| Vision(4 contracts) | EYEMED VISION CARE | 85,470 | $5.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 111,959 | $26.8M |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 14,822 | $2.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46,062 | $9.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 111,959 | $27.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111,959 | — |
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."
No prospect flags tripped on this filing.