| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | BLUE CROSS OF CALIFORNIA | $19K | — | $19K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 28198 NEW YORK, NY 10087 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS OF CALIFORNIA | $2K | $262 | $2K | 0.25% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N. WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | -$2K | — | -$2K | -0.54% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 28198 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS RISK & INSURANCE SERVICES | 777 S. FIGUEROA STREET, SUITE 2200 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.31% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $482 | — | $482 | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 28198 NEW YORK, NY 10087 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $258 | — | $258 | 1.11% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | $72 | $933 | 5.03% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTEN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS RISK & INSURANCE SERVICES | 777 S. FIGUEROA STREET, SUITE 2200 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | — | $408 | 2.89% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 Filed as: SEVEN CORNER INSURANCE SOLUTIONS | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $995 | — | $995 | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS RISK & INSURANCE SERVICES | 777 S. FIGUEROA STREET, SUITE 2200 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | — | $314 | 3.60% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $81 | — | $81 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 28198 NEW YORK, NY 10087 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $32 | — | $32 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9 | $1 | $10 | 0.24% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 161 | $1.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 528 | $126K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 361 | $23K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 452 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $19K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 161 | $980K |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 452 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.