| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN OF INC | $16K | — | $16K | 3.74% |
| WARREN G BENDER CO3 | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN OF INC | $3K | — | $3K | 0.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCL CHICAGO, IL 60674 | DELTA DENTAL OF CALIFORNIA | $19K | — | $19K | 8.39% |
| WARREN G BENDER CO3 Filed as: WARREN G BENDER CO. | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 1.61% |
| DEBRA LAGE3 | 1560 SAWGRASS CORP PKWY STE 300 SUNRISE, FL 33323 | KANSAS CITY LIFE INSURANCE COMPANY | $17K | — | $17K | 9.02% |
| CHRIS BENDER3 | 516 GIBSON DRIVE SUI ROSEVILLE, CA 95678 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 17901 VON KARMAN AVE STE 1100 IRVINE, CA 92614 | HUMANA INSURANCE COMPANY | $889 | — | $889 | 3.94% |
| WARREN G BENDER CO3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 95678 | HUMANA INSURANCE COMPANY | $199 | — | $199 | 0.88% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF INC | 50 | $417K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 299 | $246K |
| Vision | HUMANA INSURANCE COMPANY | 201 | $23K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 231 | $194K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 231 | $194K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 231 | $194K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF INC | 50 | $417K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 231 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
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.