| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $30K | — | $30K | 10.00% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES CONSULTING COMPANY | 3130 BROADWAY KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 5.69% |
| UNITED INSURANCE PARTNERS, LLC.3 | 301 E. COLORADO BLVD PASADENA, CA 91101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 5.63% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $16K | $16K | $32K | 14.99% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $20K | $20K | $41K | 19.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310072 DES MOINES, IA 503310072 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 10.00% |
| E.J.S. INSURANCE SERVICES, INC.3 | 280 CHANA DR. AUBURN, CA 95603 | BCS INSURANCE COMPANY | $17K | $8K | $25K | 36.43% |
| CALIFORNIA SCHOOL EMPLOYEES ASSOCIA3 | 2045 LUNDY AVENUE SAN JOSE, CA 95131 | NEW YORK LIFE INSURANCE COMPANY | $943 | $943 | $2K | 19.99% |
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 | 127,859 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 127,336 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13 | $31K |
| Dental(3 contracts) | DELTA DENTAL OF CALIFORNIA | 390 | $500K |
| Vision | VISION SERVICE PLAN | 445 | $76K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123,372 | $449K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 30,772 | $14.3M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 30,772 | $14.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134,706 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134,706 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.