| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 1 BEACON ST SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $168K | $259K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 1 BEACON ST SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 1 BEACON ST SUITE 17100 BOSTOM, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $44K | $107K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $4K | $355 | $4K | 10.02% |
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 | 14,995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 362 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 62 | $43K |
| Dental | AETNA LIFE INSURANCE COMPANY | 62 | $43K |
| Vision | AETNA LIFE INSURANCE COMPANY | 62 | $43K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,870 | $11.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,701 | $2.1M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,870 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,870 | — |
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.