| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INSURANCE SERV LLC | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $209K | $11K | $220K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $46K | — | $46K | 1.01% |
| MONTAGE INSURANCE SOLUTIONS3 Filed as: MONTAGE INSURANCE SOLUTIO | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 13.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | — | $724 | 1.42% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SVCS DBA MONTAGE | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| MONTAGE INSURANCE SOLUTIONS3 Filed as: MONTAGE INSURANCE SOLUTIO | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $521 | — | $521 | 1.38% |
| MONTAGE INSURANCE SOLUTIONS3 Filed as: MONTAGE INSURANCE SOLUTIO | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $424 | — | $424 | 1.32% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS DBA MONTAGE INS | 5550 TOPANGA CANYON BLVD WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $1K | $419 | $2K | 12.22% |
| MONTAGE INSURANCE SOLUTIONS3 Filed as: MONTAGE INSURANCE SOLUTIO | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | 1.65% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS DBA MONTAGE INS | 5550 TOPANGA CANYON BLVD, SUITE 310 WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $500 | $201 | $701 | 12.21% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 421 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 421 | $4.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 856 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.