| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS RESOURCE GROUP FINANCIAL3 Filed as: EMPLOYERS RESOURCE GROUP FIN & INS | 3300 SEPULVEDA BLVD STE B TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE STE 1100 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $88 | — | $88 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6701 CENTER DRIVE WEST STE 1500 LOS ANGELES, CA 90045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $623 | — | $623 | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6701 CENTER DRIVE WEST STE 1500 LOS ANGELES, CA 90045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $552 | — | $552 | 1.50% |
| EMPLOYERS RESOURCE3 Filed as: EMPLOYERS RESOURCE GROUP | 3300 SEPULVEDA BLVD, STE B TORRANCE, CA 90505 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 5.56% |
| EBA AND M CORPORATION3 | 3505 CADILLAC AVE, STE O-201 COSTA MESA, CA 92626 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 5.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6701 CENTER DRIVE WEST STE 1500 LOS ANGELES, CA 90045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $931 | — | $931 | 9.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $102 | — | $102 | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6701 CENTER DRIVE WEST STE 1500 LOS ANGELES, CA 90045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $292 | — | $292 | 12.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 2.53% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIG BENEFIT SOLUTIONS | 158 | $28K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $191K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 52 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $37K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.