| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | BLUE SHIELD OF CALIFORNIA | $30K | — | $30K | 3.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $15K | — | $15K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE SHIELD OF CALIFORNIA | $10K | — | $10K | 1.16% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 906032560 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.99% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $12K | 9.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 333 N GLENOAKS BLVD. SUITE 410 BURBANK, CA 915023273 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 633 W 5TH STREET SUITE 1200 LOS ANGELES, CA 900712095 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET 8TH FLOOR ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | — | $386 | $386 | 0.29% |
| JB CREATIVE SOLUTIONS LLC3 | 3881 FREEMAN WAY PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $28 | $2K | 7.35% |
| ADVANCED BENEFIT CENTER, INC.3 | 16145 WHITTIER BLVD WHITTIER, CA 90603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.35% |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $95 | $428 | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 114 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $133K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $133K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $25K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $25K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $133K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 114 | $1.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.