| 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 | $87K | $97K | $184K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362774 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $74K | $74K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $54K | $17K | $72K | 1.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | ADMINISTRATION LLC PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 5.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 633 W 5TH STREET SUITE 1200 LOS ANGELES, CA 90071 | UNITED HEALTHCARE INSURANCE COMPANY | $33 | — | $33 | 0.00% |
| 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 | $191 | $4K | $4K | 2.10% |
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 | 8,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 6 | $55K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 18,430 | $229K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 14,133 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,368 | $5.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,368 | $5.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,368 | $5.2M |
| Prescription drug | TRIPLE S SALUD, INC. | 6 | $55K |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 18,430 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,430 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.