| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $98K | $172K | $270K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $10K | $44K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $16K | $36K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE CO. OF NORTH AMERICA | $7K | $306 | $7K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $575 | $2K | $3K | 7.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUSSELL IMPLEMENTATION SERVICES EIN 91-0604934 INVESTMENT MGR | Investment management; Investment management fees paid directly by plan Service code 28 | — | $1.5M |
| SOUTHERN CALIFORNIA EDISON COMPANY EIN 95-1240335 PLAN SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $777K |
| XEROX HR SOLUTIONS, LLC EIN 36-2235791 RECORDKEEPER | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $564K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE/CUSTODIAN | Custodial (other than securities); Custodial (securities); Trustee (bank, trust company, or similar financial institution); Other fees; Float revenue Service code 18 | — | $277K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVESTMENT MGR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $166K |
| PACIFIC INVESTMENT MANAGEMENT CO. EIN 33-0629048 INVESTMENT MGR | Investment management; Investment management fees paid directly by plan Service code 28 | — | $157K |
| AON HEWITT CONSULTING EIN 77-0182453 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $141K |
| PAYDEN & RYGEL EIN 95-3921788 INVESTMENT MGR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $130K |
| BLACKROCK EIN 94-3112180 INVESTMENT MGR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $59K |
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 | 12,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,694 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HEALTH NET MPP | 5,160 | $74.6M |
| Dental(2 contracts, 2 carriers) | SAFEGUARD HEALTH PLANS, INC. - A CALIFORNIA COMPANY | 4,423 | $1.2M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,670 | $8.8M |
| Prescription drug(4 contracts, 3 carriers) | HEALTH NET MPP | 5,160 | $72.9M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,476 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,670 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.