| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $29K | $29K | $59K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | P.O. BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | P.O. BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 2.80% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $11K | $11K | $21K | 14.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | P.O. BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 5.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | P.O. BOX 310072 DES MOINES, IA 503310072 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| E.J.S. INSURANCE SERVICES, INC.3 | 280 CHANA DR. AUBURN, CA 95603 | BCS INSURANCE COMPANY | $15K | $7K | $22K | 35.98% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.51% |
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 | 137,158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF CALIFORNIA | 260 | $466K |
| Vision | VISION SERVICE PLAN | 432 | $67K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 969 | $293K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 27,090 | $12.1M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 27,090 | $12.1M |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 134,244 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134,244 | — |
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.