| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST SUITE 200 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $169K | $169K | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | — | $79K | $79K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | P.O. BOX 100260 PASADENA, CA 91189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329K | — | $329K | 9.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47K | — | $47K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 W MAIN ST SUITE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | — | $16K | $16K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 3.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $7K | $7K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $55 | $55 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $41 | $41 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | — | $10 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $526 | — | $526 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4 | — | -$4 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | — | $402 | $402 | 0.40% |
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 | 12,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,008 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 11,568 | $139.4M |
| Dental(3 contracts, 2 carriers) | SISTEMOS MEDICOS NACIONALES SA | 3,569 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 20,314 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,243 | $638K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,402 | $174K |
| Prescription drug(8 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 11,568 | $139.4M |
| Other(7 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,251 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,314 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.