| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CALIFORNIA PHYSICIANS' SERVICE | $40K | $0 | $40K | 5.00% |
| MELISSA DAWN MEDVE3 | 9909 MIRA MESA BOULEVARD SUITE 160 SAN DIEGO, CA 92131 | CALIFORNIA PHYSICIANS' SERVICE | $19K | $0 | $19K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $37K | $0 | $37K | 5.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 17901 VON KARMAN AVENUE, SUITE 1100 IRVINE, CA 92614 | PRESBYTERIAN HEALTH PLAN INC. | $6K | $0 | $6K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | $0 | $2K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 8.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 7.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $311 | $0 | $311 | 5.18% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 104 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 426 | $232K |
| Vision | VISION SERVICE PLAN | 222 | $38K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 291 | $107K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 291 | $107K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 104 | $1.7M |
| Other(5 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 426 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.