| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $132K | — | $132K | 10.98% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE ROAD #300 ORLANDO, FL 328199510 | STANDARD INSURANCE COMPANY | — | $24K | $24K | 2.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 6.19% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE ROAD #300 ORLANDO, FL 328199510 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $89K | — | $89K | 14.80% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE ROAD #300 ORLANDO, FL 328199510 | STANDARD INSURANCE COMPANY | — | $13K | $13K | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $27K | — | $27K | 9.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 9.38% |
| MICHAEL PARKER3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 6.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 4.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | $337 | $27K | 23.47% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $545 | — | $545 | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $357 | $34K | 30.31% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | — | $281 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 50.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $48 | $5K | 36.78% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $9 | $4K | 62.55% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | $9 | $364 | 27.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | $5 | $205 | 27.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 50.00% |
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 | 4,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,174 | $183K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,388 | $273K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,085 | $1.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,358 | $600K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,348 | $737K |
| Other(10 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,355 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,355 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.