| 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 | $71K | $0 | $71K | 14.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $11K | 13.43% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC | THE GUARDIAN LIFE INS CO OF AMERICA 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.30% |
| CONCEPT ADMINISTRATORS LLC3 | THE GUARDIAN LIFE INS CO OF AMERICA 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $588 | $4K | 11.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $144 | $2K | 5.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE, LLC CHICAGO, IL 60674 | ARMADACARE HEALTH AND LIFE INSURANCE COMPANY | $300 | $0 | $300 | 0.93% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $383 | $0 | $383 | 13.00% |
| INNOVATIVE SOLUTIONS3 | 200 NORTH PACIFIC COAST HIGHWAY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $118 | $0 | $118 | 4.01% |
| DAVID HERNANDEZ3 Filed as: DAVID HERMAN ROMERO | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $82 | $0 | $82 | 4.02% |
| INNOVATIVE SOLUTIONS3 | 200 NORTH PACIFIC COAST HIGHWAY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $82 | $0 | $82 | 4.02% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $491K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $269K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 431 | $39K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $81K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $137K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $86K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $491K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
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.