| 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 | $27K | — | $27K | 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 | $17K | — | $17K | 0.92% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| BUCK GLOBAL LLC5 | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | — | $20K | $20K | 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 | $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 | $1K | — | $1K | 0.79% |
| 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 | $134K | — | $134K | 3040.70% |
| 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 | $384 | — | $384 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONDUENT HR SERVICES EIN 81-2983623 RECORDKEEPER | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.2M |
| RUSSELL INVESTMENT TRUST CO. EIN 91-1116938 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $736K |
| PAYDEN & RYGEL EIN 95-3921788 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $599K |
| SOUTHERN CALIFORNIA EDISON CO. EIN 95-1240335 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $187K |
| RUSSELL INVESTMENTS CAPITAL LLC EIN 91-1659779 CONSULTANT | Direct payment from the plan; Consulting (pension) Service code 17 | — | $164K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE/CUSTODIAN | Direct payment from the plan; Other fees; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Float revenue Service code 19 | — | $130K |
| SCHRODER INVESTMENT MANAGEMENT EIN 13-4064414 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $103K |
| STATE STREET GLOBAL ADVISORS TRUST EIN 81-4017137 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $100K |
| NORTHERN TRUST EIN 36-2723087 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $89K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Actuarial; Direct payment from the plan Service code 11 | — | $71K |
| GCM GROSVENOR EMRG MGR INVEST EIN 80-0952472 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $55K |
| DBL EQUITY FUND - BAEF II LP EIN 01-0913275 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 INVESTMENT MANAGEMENT | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Trustee (discretionary) Service code 21 | — | $18K |
| AON HEWITT CONSULTING EIN 77-0182453 ACTUARY/CONSULTANT | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $13K |
| WILSHIRE US PRVT MRKT VIII EIN 26-0217613 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $10K |
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 | 13,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,731 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NET | 3,850 | $32.7M |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 3,066 | $1.8M |
| Vision | VISION SERVICE PLAN | 24,538 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,080 | $4K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 2,658 | $1.7M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,081 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,538 | — |
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."
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.