| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTHCARE OF CALIFORNIA | $31K | — | $31K | 0.52% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | DELTA DENTAL OF CALIFORNIA | $82K | — | $82K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES, CIGNA | $22K | $3K | $24K | 2.10% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES, CIGNA | $11K | — | $11K | 0.90% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 8.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.21% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED (ACTIVE) | $5K | — | $5K | 3.61% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 8.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.04% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $635 | — | $635 | 1.03% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | — | $185 | 1.04% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED (COBRA) | $27 | — | $27 | 3.57% |
| CAL-KOR INSURANCE3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED (BOARD OF DIRECTORS) | $18 | — | $18 | 3.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $1.0M |
| CIGNA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 1,479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 3,526 | $7.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,612 | $2.0M |
| Vision(3 contracts, 3 carriers) | EYEMED (ACTIVE) | 3,637 | $153K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,876 | $256K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,479 | $141K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES, CIGNA | 3,526 | $1.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES, CIGNA | 3,526 | $1.2M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,876 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,637 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.