| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $309K | $6 | $309K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INS AGENCY INC | 1277 TREAT BLVD., SUITE 650 WALNUT CREEK, CA 94597 | STANDARD INSURANCE COMPANY | $89K | — | $89K | 16.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 S FIGUEROA STREET, SUITE 1900 LOS ANGELES, CA 90017 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BLVD, SUITE 600 TORRANCE, CA 90503 | AIG | $4K | — | $4K | 12.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 SOUTH FIGUEROA STREET, STE 1900 LOS ANGELES, CA 90017 | GERBER LIFE INSURANCE COMPANY | $14 | — | $14 | 15.56% |
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 | 3,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 337 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,200 | $27.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,658 | $1.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,200 | $14.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 3,067 | $512K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,188 | $552K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,200 | $27.9M |
| Other(4 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 3,070 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,200 | — |
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.