| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 333 SOUTH SEVENTH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | HIGHMARK INC. | $79K | — | $79K | 3.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 240 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $82K | $82K | 5.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $7K | $51K | 11.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $16K | $0 | $16K | 10.00% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $1K | $163 | $1K | 12.78% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $141 | $29 | $170 | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $153 | $0 | $153 | 1.32% |
| RACHAEL A. SHARPLESS AND OTHERS3 | 12220 SW ROMA CIRCLE PORT SAINT LUCIE, FL 34987 | AFLAC | $106 | $0 | $106 | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET 20TH FLOOR MIAMI, FL 60601 | AFLAC | $93 | $0 | $93 | 0.80% |
| LORI H RICHARDSON3 Filed as: LORI H. RICHARDSON | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30907 | AFLAC | $51 | $0 | $51 | 0.44% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 7400 SW TERRACE MIAMI, FL 33155 | AFLAC | $50 | $0 | $50 | 0.43% |
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 | 468 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC. | 310 | $3.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $597K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 443 | $2.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $439K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $439K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $439K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC. | 310 | $3.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.