| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $112K | — | $112K | 3.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 3.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 11.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $914 | — | $914 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | EYEMED VISION CARE | $3K | — | $3K | 10.12% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $516 | — | $516 | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | DELTA DENTAL OF CALIFORNIA | $924 | — | $924 | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 6.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1 INVESTORS WAY NORWOOD, MA 02062 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 5.64% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $3.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 170 | $290K |
| Vision | EYEMED VISION CARE | 322 | $25K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 303 | $212K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 303 | $212K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $3.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 303 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.