| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4445 EASTGATE MALL #300 SAN DIEGO, CA 92121 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $49K | $49K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4445 EASTGATE MALL #300 SAN DIEGO, CA 92121 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 MAIN STREET, SUITE 4400 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $27K | — | $27K | 20.00% |
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 | 2,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,561 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33 | $696K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $634K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,861 | $338K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,654 | $5.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,654 | $5.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,654 | $5.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 12 | $93K |
| Other(7 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,699 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,861 | — |
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.