| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.76% |
| RUSSELL S NAKAMURA3 Filed as: RUSSELL SHINYA NAKAMURA | 4500 PARK GRANADA, SUITE 202 CALABASAS, CA 91302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.39% |
| ANDRES ORLANDO TRUJILLO3 | 21338 MONETA AVENUE CARSON, CA 90745 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | $0 | $225 | 0.85% |
| MICAHEL SCOTT ROSEN3 | 2226 WHITE STREET PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 0.76% |
| ECHO NEO NINJA INS SOLUTIONS3 Filed as: ECHO NEO NINJA INSURANCE SOLUTIONS | 4500 PARK GRANADA BOULEVARD CALABASAS, CA 91302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | $0 | $196 | 0.74% |
| HERACLIO ORTIZ3 | 26015 CYPRESS STREET LOMITA, CA 90717 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | $0 | $166 | 0.63% |
| ROSARIO RONQUILLO3 | 5805 SEPULVEDA BOULEVARD SHERMAN OAKS, CA 91411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | $0 | $155 | 0.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 633 WEST FIFTH STREET LOS ANGELES, CA 90071 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.44% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 CHICAGO, IL 92806 | TRANSAMERICA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 2.02% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, MI 53226 | TRANSAMERICA LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $401 | $0 | $401 | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $47 | $47 | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC. | PO BOX 13793 NEWARK, NJ 07188 | METLIFE LEGAL PLANS | $0 | $12 | $12 | 0.30% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 254 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 254 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 254 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $84K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $77K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 254 | $2.6M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 254 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.