| 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 606744465 | AETNA LIFE INSURANCE CO | $46K | $0 | $46K | 5.04% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO | $15K | $0 | $15K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC. | $11K | $0 | $11K | 4.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $3K | $0 | $3K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PATRICIA GAIL LEES3 | 1124 CHURCH CT BURBANK, CA 91501 | AFLAC | $431 | $0 | $431 | 5.41% |
| JOSEPH J DERTHICK3 | 15428 FLATBUSH AVE NORWALK, CA 90650 | AFLAC | $205 | $0 | $205 | 2.57% |
| LEMUEL E FRANKS3 | 2812 GREENFIELD DR EDMOND, OK 73012 | AFLAC | $128 | $0 | $128 | 1.61% |
| SETH JAFFE3 Filed as: SETH L JAFFE | 4127 E MASSACHUSETTS ST LONG BEACH, CA 90814 | AFLAC | $53 | $0 | $53 | 0.66% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $48 | $0 | $48 | 0.60% |
| LINDA M NAPOLI3 | 17631 VENTURA BLVD #321 ENCINO, CA 91316 | AFLAC | $44 | $0 | $44 | 0.55% |
| LINDA M NAPOLI3 | 17631 VENTURA BLVD #321 ENCINO, CA 91316 | AFLAC | $44 | $0 | $44 | 0.55% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY, M35 ESCANABA, MI 49829 | AFLAC | $39 | $0 | $39 | 0.49% |
| RHOEL T VALDEZ3 | 20016 BLYTHE ST WINNETKA, CA 91306 | AFLAC | $32 | $0 | $32 | 0.40% |
| KATHLEEN S HANSON3 | 5460 E EL PARQUE ST. LONG BEACH, CA 90815 | AFLAC | $32 | $0 | $32 | 0.40% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $19 | $0 | $19 | 0.24% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $11 | $0 | $11 | 0.14% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S WESTERN AVE, STE 200 TORRANCE, CA 90501 | AFLAC | $9 | $0 | $9 | 0.11% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 5061 MAGNOLIA GARDENS PL LEXINGTON, KY 40515 | AFLAC | $9 | $0 | $9 | 0.11% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $6 | $0 | $6 | 0.08% |
| STEPHANIE WOOLEY3 | PO BOX 8127 BACLIFF, TX 77518 | AFLAC | $6 | $0 | $6 | 0.08% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE. 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $5 | $0 | $5 | 0.06% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $5 | $0 | $5 | 0.06% |
| BARRY MCPHERSON INC3 | 3928 IRONBARK WAY MCKINNEY, TX 75071 | AFLAC | $2 | $0 | $2 | 0.03% |
| OWEN C JOHNSTON3 | 1665 N SYCAMORE ST, UNIT 119 SANTA ANA, CA 92701 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | $0 | $177 | 14.99% |
| LEMUEL E FRANKS3 Filed as: LEMUEL EDWARD FRANKS | 309 E KITTYHAWK DR MIDWEST CITY, OK 73110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 3.48% |
| TODD VICTOR MASON3 | 7447 MENDY STREET PARAMOUNT, CA 90723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.76% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH ANTHONY BUZZELLO | 9018 BALBOA BL, STE 254 NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.30% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.15% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 173 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO | 173 | $914K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 173 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 9 | $9K |
| Other(3 contracts, 3 carriers) | AFLAC | 32 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.