| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $387 | $2K | 12.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $495 | $4K | 20.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | $0 | $205 | 1.14% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP, INC. | 11705 NW 82ND COURT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.33% |
| GUILLEN NAYELIN3 Filed as: GUILLEN NAYELIN AND OTHER AGENTS | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.18% |
| CUNNINGHAM DIANE3 | 2450 DUNLIN DUNES PLACE 307 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.14% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $353 | $2K | 14.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.49% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP, INC. | 11705 NW 82ND COURT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.28% |
| TRZOS DANIEL3 | 1399 CUSTER WAY SE ATLANTA, GA 30316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.12% |
| CUNNINGHAM DIANE3 | 2450 DUNLIN DUNES PLACE 307 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.08% |
| BAILEY LAQUETA3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.06% |
| GUILLEN CAYSPILAR3 Filed as: GUILLEN CAYSPILAR AND OTHER AGENTS | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.47% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP, INC. | 11705 NW 82ND COURT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.24% |
| GUILLEN NAYELIN3 | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.22% |
| BAILEY LAQUETA3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.16% |
| CUNNINGHAM DIANE3 | 2450 DUNLIN DUNES PLACE 307 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.14% |
| GUILLEN CAYSPILAR3 Filed as: GUILLEN CAYSPILAR AND OTHER AGENTS | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $394 | $0 | $394 | 9.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $35 | $0 | $35 | 0.81% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 275 | $168K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 275 | $161K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 275 | $161K |
| Prescription drug | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 57 | $19K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 275 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.