| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $645K | $645K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $413K | $413K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $457K | $541K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METLIFE LEGAL PLANS | $862K | $101K | $963K | 11.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | METLIFE LEGAL PLANS | — | $71 | $71 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $263K | $344K | 5.40% |
| 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 | $33K | — | $33K | 6.00% |
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 | 1,090,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,824,931 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,915,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 192,026 | $213.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $125K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,007,575 | $96.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 843,697 | $119.3M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 25,934 | $192.8M |
| Other(4 contracts, 2 carriers) | METLIFE LEGAL PLANS | 73,139 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007,575 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.