| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE #800 LAS VEGAS, NV 89102 | CALIFORNIA PHYSICIANS SERVICE | $89K | $0 | $89K | 1.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CALIFORNIA PHYSICIANS SERVICE | $62K | $0 | $62K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $830 | $830 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $708 | $0 | $708 | 0.29% |
| ROBYN PIPER3 | 2300 WEST SAHARA AVE., SUITE #800 LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 5.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $345 | $7K | 5.41% |
| ROBYN PIPER3 | 2300 W SAHARA AVE., SUITE #800 LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 5.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $216 | $5K | 5.41% |
| ROBYN L PIPER3 | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | ALLSTATE WORKPLACE DIVISION | $11K | $0 | $11K | 15.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | $0 | $93 | 0.26% |
| ROBYN PIPER3 | 2300 W SAHARA AVE., 3800 LAS VEGAS, NV 89102 | HYATT LEGAL PLANS | $1K | $0 | $1K | 7.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $505 | $49 | $554 | 3.40% |
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 | 775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,575 | $8.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 701 | $711K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 652 | $193K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 751 | $318K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $154K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 751 | $121K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 1,575 | $8.3M |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,000 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,000 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.