| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $83K | $32K | $115K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362774 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $70K | $70K | 2.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | ADMINISTRATION LLC PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 503310502 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 3.60% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $234 | $5K | $5K | 2.29% |
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 | 7,735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 7 | $60K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 19,370 | $291K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 14,636 | $853K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,822 | $3.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,822 | $3.5M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,822 | $3.7M |
| Prescription drug | TRIPLE S SALUD, INC. | 7 | $60K |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 19,370 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.