| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 17901 VON KARMAN AVENUE IRVINE, CA 92614 | UNITED HEALTHCARE INSURANCE COMPANY | $195K | — | $195K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, STE 600 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | -$83 | — | -$83 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $71K | — | $71K | 3.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, STE 600 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $3K | $3K | 0.14% |
| KAERCHER INSURANCE AGENCY INC.3 Filed as: KAERCHER INSURANCE AGENCY, INC | 9555 HILLWOOD DRIVE STE 140 LAS VEGAS, NV 891340579 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $60K | — | $60K | 3.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $56K | — | $56K | 3.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION PLAN OF THE MID-ATLANTIC | $39K | — | $39K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IRV | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $16K | 12.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, STE 600 SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $7K | — | $7K | 6.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS- IRV | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 69420 HARRISBURG, PA 17106 | $125K |
| MOSS ADAMS EIN 91-0189318 AUDITORS | Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, STE 1300 SAN DIEGO, CA 92121 | $16K |
| HELIX ELECTRIC INC. EIN 33-0124909 EMPLOYER/PLAN ADMIN | Plan Administrator Service code 14 | PO BOX 85298 SAN DIEGO, CA 92186 | $11K |
| LEVITZACKS EIN 95-3159181 TAX RETURN PREP | Accounting (including auditing) Service code 10 | 450 B STREET, SUITE 500 SAN DIEGO, CA 92101 | $7K |
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 | 1,722 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,410 | $13.6M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 956 | $2.1M |
| Vision | EYEMED VISION CARE (FIDELITY) | 0 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,200 | $228K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 507 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.