| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CALIFORNIA PHYSICIANS' SERVICE | $328K | $0 | $328K | 4.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $92 | $29K | 4.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.21% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $302 | $2K | 1.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $731 | $227 | $958 | 1.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $764 | $222 | $986 | 1.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.39% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$820 | $0 | -$820 | -1.18% |
| JAMES FRENCH3 | 220 SOUTH KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $918 | — | $918 | 1.47% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS, INC. | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $848 | — | $848 | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $68 | — | $68 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.42% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$735 | $0 | -$735 | -1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $444 | $128 | $572 | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.31% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$495 | $0 | -$495 | -1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $315 | $62 | $377 | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | $43 | $191 | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER US, LLC | 2405 GRAND BOULEVARD SUITE 1400 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| MCCLURE ARMI MARY3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 4.53% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 3.43% |
| POWELL BRENDA C3 | 432 WEST VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 3.43% |
| POWELL BRENDA C3 | 432 WEST VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 3.73% |
| MCCLURE ARMI MARY3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 4.72% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 3.43% |
| POWELL BRENDA C3 | 432 WEST VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 3.43% |
| MCCLURE ARMI MARY3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 3.97% |
| BB&H BENEFIT DESIGNS3 Filed as: BB AND H BENEFIT DESIGNS | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 2.65% |
| POWELL BRENDA C3 | 432 WEST VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 2.65% |
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 | 1,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,605 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,053 | $589K |
| Vision | VISION SERVICE PLAN | 860 | $156K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,482 | $165K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $88K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,605 | $7.1M |
| Other(11 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,482 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,605 | — |
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.