| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | CIGNA HEALTHCARE OF CALIFORNIA | $84K | — | $84K | 1.30% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | DELTA DENTAL OF CALIFORNIA | $87K | — | $87K | 4.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE INSURANCE COMPANY | $62K | — | $62K | 4.61% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 10.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED | $7K | — | $7K | 4.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED | $46 | — | $46 | 4.02% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1700 SOUTH TOWER LOS ANGELES, CA 90010 | EYEMED | $21 | — | $21 | 3.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $1.3M |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan 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 | 1,510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 3,659 | $7.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,680 | $2.2M |
| Vision(3 contracts) | EYEMED | 3,651 | $177K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,902 | $246K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,510 | $81K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,510 | $142K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE INSURANCE COMPANY | 3,659 | $1.3M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,902 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,680 | — |
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."
No prospect flags tripped on this filing.