| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | — | $2K | $2K | 0.07% |
| HOWARTH III, FREDERICK W3 | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $33K | $13K | $46K | 7.00% |
| HOWARTH III, FREDERICK W3 | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $8K | $28K | 7.00% |
| HOWARTH III, FREDERICK W3 | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $2K | $15K | 13.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $7K |
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 | 673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | 1,370 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | 1,370 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | 1,370 | $2.9M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 613 | $396K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 462 | $110K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 374 | $659K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. AND AFFILIATES | 1,370 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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.