| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $494K | $533K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $124K | $134K | 0.36% |
| PACIFIC RESOURCE BENEFIT ADVISORS3 | 75 STATE STREET SUITE 17100 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $194K | $194K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY ST, F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $956K | $120K | $1.1M | 17.71% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $191K | $191K | 3.15% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE COMPANY OF AMERICA | $362K | — | $362K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON PUERTO RICO IN | 530 AVE DE LA CONSTITUCION SAN JUAN, PR 00901 | TRIPLE S SALUD, INC. | $3K | — | $3K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $458 | $5K | 17.98% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $903 | $903 | 3.26% |
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 | 79,489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,417 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 81,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,328 | $13.7M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 101,951 | $5.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 139,367 | $37.0M |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 25,704 | $3.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62,731 | $11.5M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $475K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 139,367 | $37.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139,367 | — |
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.