| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $260K | — | $260K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168K | — | $168K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 1.50% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $37K | — | $37K | 10.64% |
| BUCK GLOBAL LLC5 | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | — | $18K | $18K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY L TRION GRP | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $763 | — | $763 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUSSELL INVESTMENT TRUST CO. EIN 91-1116938 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $1.6M |
| CONDUENT HR SERVICES EIN 81-2983623 RECORDKEEPER | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $980K |
| PAYDEN & RYGEL EIN 95-3921788 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $447K |
| DELOITTE TAX CONSULTING EIN 86-1065772 CONSULTANT | Accounting (including auditing); Consulting fees Service code 10 | — | $297K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE/CUSTODIAN | Contract Administrator; Trustee (bank, trust company, or similar financial institution); Other fees; Custodial (other than securities); Custodial (securities) Service code 13 | — | $252K |
| RUSSELL INVESTMENTS CAPITAL LLC EIN 91-1659779 CONSULTANT | Consulting (pension); Direct payment from the plan Service code 17 | — | $169K |
| STATE STREET GLOBAL ADVISORS TRUST EIN 81-4017137 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $156K |
| AON HEWITT CONSULTING EIN 77-0182453 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $126K |
| DBL EQUITY FUND - BAEF II LP EIN 01-0913275 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $88K |
| SOUTHERN CALIFORNIA EDISON CO. EIN 95-1240335 PLAN SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $86K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE/CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Float revenue; Other fees; Direct payment from the plan; Custodial (securities) Service code 19 | — | $76K |
| SCHRODER INVESTMENT MANAGEMENT EIN 13-4064414 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| GCM GROSVENOR EMRG MGR INVEST EIN 80-0952472 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $60K |
| WILSHIRE US PRVT MRKT VIII EIN 26-0217613 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $49K |
| MSCI INC. INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | 7 WORLD TRADE CTR 250 GREENWHICH ST NEW YORK, NY 10007 | $43K |
| WILSHIRE EURO PRVT MRKT VIII EIN 26-0217775 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $12K |
| WILSHIRE ASIA PRVT MRKT VIII EIN 26-0217719 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 INVESTMENT MANAGEMENT | Trustee (discretionary); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Investment management Service code 21 | — | $11K |
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 | 13,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,550 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HEALTH NET | 4,338 | $46.5M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 3,128 | $825K |
| Vision | VISION SERVICE PLAN | 25,059 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,337 | $11.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 2,491 | $5.9M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,437 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,059 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.