| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $550K | — | $550K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $400K | — | $400K | 0.19% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $630K | $630K | 0.37% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $879K | $879K | 3.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $1.5M | $106K | $1.6M | 10.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $330K | — | $330K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METLIFE LEGAL PLANS | — | $56K | $56K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METLIFE LEGAL PLANS | — | $766 | $766 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET - SUITE 17100 BOSTON, MA 02108 | TRUSTMARK INSURANCE COMPANY | $1.5M | — | $1.5M | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET - SUITE 1710 BOSTON, MA 02109 | TRUSTMARK INSURANCE COMPANY | $1.2M | — | $1.2M | 9.33% |
| KARI JO HAWKINSON3 | 121 E CONSTELLATION DRIVE SOUTH PADRE ISLAND, TX 78597 | TRUSTMARK INSURANCE COMPANY | $47K | — | $47K | 0.36% |
| KAY C. NOBLES3 | 4305 WINDWILLOW COURT FORT WORTH, TX 76137 | TRUSTMARK INSURANCE COMPANY | $47K | — | $47K | 0.36% |
| JAMES F. SALTER3 | 72 SHEPHERD LANE PORTLAND, ME 04103 | TRUSTMARK INSURANCE COMPANY | $47K | — | $47K | 0.36% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021081807 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $476K | $476K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $219K | $14K | $233K | 21.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD. STE. 1000 ROLLING MEADOWS, IL 600084036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 6.00% |
| STATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $3K | $3K | 3.66% |
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 | 1,194,891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 246,482 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,441,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 608,343 | $447.2M |
| Dental(4 contracts, 3 carriers) | SIMNSA | 2,432 | $9.7M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,036,802 | $208.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 769,927 | $168.9M |
| Prescription drug(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 25,711 | $395.9M |
| Other(5 contracts, 4 carriers) | METLIFE LEGAL PLANS | 1,113,186 | $33.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,113,186 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.