| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274K | $168K | $442K | 5.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349K | $0 | $349K | 14.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | PO BOX 100260 PASADENA, CA 91189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 1.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | $0 | $321 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 800 WEST MAIN STREET SUITE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | $0 | $4K | $4K | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $5K | $5K | 1.56% |
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 | 12,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,033 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 12,878 | $144.9M |
| Dental(3 contracts, 2 carriers) | SISTEMOS MEDICOS NACIONALES SA | 2,245 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 19,522 | $1.3M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,066 | $8.5M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,066 | $8.5M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 8,978 | $56.2M |
| Other(7 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,066 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,522 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.