| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW ST #550 SUITE H CYPRESS, CA 90630 | BLUE CROSS OF CALIFORNIA | $143K | — | $143K | 3.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | $47K | — | $47K | 1.30% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY | 10833 VALLEY VIEW STREET SUITE 550 CYPRESS, CA 90630 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 3.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 1.79% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW SUITE 550 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $11K | $64K | 8.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $267 | $27K | 3.42% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY | 10833 VALLEY VIEW STREET SUITE 550 CYPRESS, CA 90630 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.79% |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 553 | $5.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $794K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $794K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $794K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $794K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.