| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $85K | $0 | $85K | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN, INC. | $56K | $0 | $56K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE SHIELD OF CALIFORNIA | $0 | $67K | $67K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | BLUE SHIELD OF CALIFORNIA | $0 | $116 | $116 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | $0 | $34K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HELATH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $562 | $562 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | AN ALERA GROUP 333 M GLENOAKS BLVD SUITE 410 BURBANK, CA 91502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 2.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 600 CORPORATE POINTE SUITE 600 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 0.84% |
| MICHAEL A BOOK3 | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24K | $63K | $87K | 9.64% |
| KRISTIN LUCILLE BARENS3 | 2242 PURDUE AVENUE LOS ANGELES, CA 90064 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $72K | $0 | $72K | 8.03% |
| MULLIN TBG INS AGENCY SERVICES LLC3 | 895 DOVE STREET, SUITE 318 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 2.15% |
| MULLIN BARENS SANFORD FINANCIAL3 Filed as: MULLIN BARENS SANFORD FIN AND INS | 2242 PURDUE AVENUE LOS ANGELES, CA 90064 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.58% |
| SCOTT GREENFIELD3 | 4114 NW BRIARCLIFF CIRCLE BOCA RATON, FL 33496 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.07% |
| DAVID C PORTER3 | 1 MARINA PARK DRIVE, SUITE 1600 BOSTON, MA 02210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.27% |
| ANTHONY SPATICHIA3 Filed as: ANTHONY SPATICHIA AND OTHER AGENTS | 2 BALA PLAZA, SUITE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | $0 | $63K | 14.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENFT ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 9.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HELATH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $23K | $0 | $23K | 5.98% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC | 777 SOUTH FIGUEROA, SUITE 1900 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | $0 | $1K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | $0 | $1K | 1.08% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INS | 600 CORPORATE POINTE, 4TH FLOOR CULVER CITY, CA 90230 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 5.47% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH AND BENEFITS AD | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | UNKNOWN PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $815 | $27 | $842 | 15.50% |
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 | 2,922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,172 | $32.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,715 | $3.4M |
| Vision | EYEMED VISION CARE | 5,740 | $382K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,922 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,922 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,922 | $2.5M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,172 | $32.3M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,929 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,740 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.