| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $113K | $113K | 2.23% |
| PACIFICA RESOURCE BENEFITS ADVISORS3 | PO BOX 746600 ATLANTA, GA 30374 | MELIFE LEGAL PLANS | $29K | — | $29K | 9.99% |
| PACIFICA RESOURCE BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | MELIFE LEGAL PLANS | — | $3K | $3K | 1.08% |
| PACIFICA RESOURCE BENEFITS ADVISORS3 | PO BOX 746600 ATLANTA, GA 30374 | MELIFE LEGAL PLANS | — | $889 | $889 | 0.30% |
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 | 9,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 378 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 32 | $338K |
| Vision | VISION BENEFITS OF AMERICA | 6,769 | $1.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 9,464 | $5.1M |
| Other(2 contracts, 2 carriers) | MELIFE LEGAL PLANS | 9,703 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,703 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.