| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $995K | $5K | $1000K | 5.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 8.69% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | -$14K | — | -$14K | -3.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 11.04% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTHCARE OF CALIFORNIA | $12K | — | $12K | 4.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 11.04% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 10.85% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.05% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.45% |
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 | 1,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,213 | $17.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,213 | $17.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,213 | $17.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,268 | $392K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,268 | $244K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,268 | $201K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,213 | $17.2M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,213 | $17.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.