| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18191 VON KARMAN AVE STE 600 IRVINE, CA 92612 | BLUE SHIELD OF CALIFORNIA | $108K | — | $108K | 0.67% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | 6701 CENTER DRIVE WEST STE 420 LOS ANGELES, CA 90045 | BLUE SHIELD OF CALIFORNIA | $54K | $0 | $54K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | LOCKBOX #100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 1.74% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 750322617 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 1.05% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | — | $480 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 345 CALIFORNIA ST SUITE 2000 SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $463 | — | $463 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | LOCKBOX #100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.25% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 750322617 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC STATES, INC. | $5K | — | $5K | 1.38% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 345 CALIFORNIA ST SUITE 2000 SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $3 | $1K | 25.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $763 | — | $763 | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $509 | — | $509 | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $160 | $24 | $184 | 17.23% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 6TH FLOOR DALLAS, TX 750322617 | AETNA INTERNATIONAL | $150 | — | $150 | 15.00% |
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 | 1,750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 899 | $22.6M |
| Dental | TRIPLE S SALUD, INC. | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,666 | $862K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,216 | $749K |
| Prescription drug(4 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 899 | $22.6M |
| Other(7 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 1,850 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,850 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.