| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $173K | — | $173K | 2.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92260 | AETNA LIFE INSURANCE CO. | $80K | $210 | $80K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC. | $72K | — | $72K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $33K | — | $33K | 0.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 5.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | NATIONAL UNION FIRES INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Actuarial Service code 11 | — | $67K |
| BDO SEIDMAN LLP EIN 13-3581590 NONE | Accounting (including auditing) Service code 10 | — | $58K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $21K |
| BDO USA, LLP EIN 13-3581590 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| O'MELVENY & MYERS LLP EIN 95-1066597 NONE | Legal Service code 29 | — | $18K |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,718 | $12.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,718 | $8.2M |
| Vision | AETNA LIFE INSURANCE CO. | 1,718 | $8.2M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,718 | $8.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 381 | $145K |
| Other(6 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,718 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,718 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.