| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 3020 E CAMELBACK RD #213 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 8.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 7.51% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 2.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $124 | $8K | 5.08% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 4.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 1.95% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE 8 EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $564 | $4K | 6.21% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.49% |
| CONCEPT ADMINISTRATORS LLC3 Filed as: CONCEPT ADMINSTRATORS LLC | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.21% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 4.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 4.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $271 | $271 | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 777 S FIGUEROA ST LOS ANGELES, CA 90017 | ARMADACARE HEALTH AND LIFE INSURANCE COMPANY | $175 | — | $175 | 0.56% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 WEST GRAND AVENUE EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $657 | — | $657 | 13.01% |
| INNOVATIVE SOLUTIONS3 | 222 NORTH PACIFIC COAST HIGHWAY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $202 | — | $202 | 4.00% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 WEST GRAND AVENUE EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $90 | — | $90 | 3.99% |
| INNOVATIVE SOLUTIONS3 | 222 NORTH PACIFIC COAST HWY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $90 | — | $90 | 3.99% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $423K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $40K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $68K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $125K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $75K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.