| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1560 SAWGRASS CORPORATE PARKWAY SUITE 240 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $89K | $89K | 4.58% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | HIGHMARK INC. | $70K | $0 | $70K | 3.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $9K | $56K | 11.87% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $13K | $0 | $13K | 10.00% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVE CORAL GABLES, FL 33156 | AFLAC | $2K | $50 | $2K | 14.18% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $239 | $12 | $251 | 1.84% |
| LORI H RICHARDSON3 | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30907 | AFLAC | $140 | $10 | $150 | 1.10% |
| MJ INSURANCE3 Filed as: KATHRYN P BAKER AND VARIOUS AGENTS | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $133 | $0 | $133 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE, SUITE 500 MIAMI, FL 33135 | AFLAC | $103 | $0 | $103 | 0.75% |
| TAMARA DIANNE NEWSOME3 | 238 VISTA CIRCLE MACON, GA 31204 | AFLAC | $68 | $10 | $78 | 0.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $42 | $0 | $42 | 0.31% |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $3.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $606K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 481 | $2.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $474K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $474K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $474K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $3.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.