| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.13% |
| RUSSELL S NAKAMURA3 Filed as: RUSSELL SHINYA NAKAMURA | 4500 PARK GRENADA, SUITE 202 CALABASAS, CA 91302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.54% |
| 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 | 9.87% |
| MICHAEL SCOTT ROSEN3 | 2226 WHITE STREET PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | $0 | $375 | 1.65% |
| ANDRES ORLANDO TRUJILLO3 | 21338 MONETA AVENUE CARSON, CA 90745 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | $0 | $256 | 1.13% |
| ROSARIO RONQUILLO3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.89% |
| ECHO NEO NINJA INS SOLUTIONS3 Filed as: ECHO NEO NINJA INSURANCE SOLUTIONS | 4500 PARK GRENADA BOULEVARD SUITE 202 CALABASAS, CA 91302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.52% |
| HERACLIO ORTIZ3 | 26015 CYPRESS STREET, SUITE 41 LOMITA, CA 90717 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 633 WEST 5TH STREET LOS ANGELES, CA 90071 | TRANSAMERICA LIFE INSURANCE COMPANY | $637 | $0 | $637 | 10.38% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $154 | $0 | $154 | 2.51% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | $0 | $66 | 1.08% |
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 | 143 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 283 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 283 | $2.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 283 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $86K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $80K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 283 | $2.5M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 283 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.