| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | — | $90K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $75K | $75K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $19K | $19K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISOR | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 5151 HEADQUARTERS DR PLANO, TX 75024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71 | — | $71 | — |
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 | 5,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 269 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,248 | $917K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,999 | $4.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,854 | $1.7M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,999 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,854 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.