| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | SECURIAN LIFE INSURANCE COMPANY | — | $86K | $86K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $47K | $47K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $21K | $1K | $23K | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.42% |
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 | 9,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 43 | $337K |
| Dental | AETNA INC. | 43 | $337K |
| Vision | VISION BENEFITS OF AMERICA | 6,899 | $1.3M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 9,926 | $5.4M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 8,650 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,926 | — |
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.