| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1560 SAWGRASS CORPORATE PKWY SUITE 300 SUNRISE, FL 33323 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $2K | — | $2K | 0.06% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18 | $18 | 0.03% |
| SECURITY MAINTENANCE CORP3 | 201 W 52ND ST FL 3 NEW YORK, NY 10019 | STANDARD INSURANCE COMPANY | $427 | — | $427 | 7.45% |
| STEFAN L WEILL3 | 555 FIFTH AVE 14TH FL NEW YORK, NY 10017 | STANDARD INSURANCE COMPANY | $400 | — | $400 | 6.97% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $157 | — | $157 | 2.74% |
| WEILL STEFAN L3 | 555 5TH AVE FL 14 NEW YORK, NY 10017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $104 | — | $104 | 2.11% |
| COWAN HOWARD B3 | 530 5TH AVE FL 14 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58 | — | $58 | 1.18% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 225 | $2.7M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 244 | $190K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 225 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $108K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $73K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 225 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.