| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | $21K | $121K | 12.05% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $52K | $52K | 5.92% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $45K | $45K | 6.08% |
| PACIFC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $14K | $78K | 12.12% |
| PACIFC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $10K | $56K | 12.21% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.03% |
| PACIFC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $552 | $552 | 2.38% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $152 | $152 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $124 | $124 | 2.11% |
| PACIFC RESOURCES BENEFITS ADVISORS7 Filed as: PACIFC RESOURCES BENEFITS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $16 | $16 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8 | $8 | 4.42% |
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 | 6,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,477 | $2.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 487 | $1.1M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,324 | $1.6M |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,324 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,324 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.