| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BOULEVARD SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $67K | $28K | $95K | 5.45% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER RD, STE 600 HOUSTON, TX 770244145 | UNITEDHEALTHCARE INSURANCE COMPANY | $134K | — | $134K | 13.80% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NE 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
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 | 13,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 342 | $5.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,336 | $969K |
| Life insurance | AETNA LIFE INSURANCE CO. | 15,207 | $1.7M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,319 | $547K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,363 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 15,207 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,207 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.