| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | CAREFIRST BLUECHOICE | $42K | $18K | $60K | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $4K | 1.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $941 | $4K | 3.96% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES | 100 MIRACLE MILE SUITE 250 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 26.70% |
| RAYMOND GUERTIN3 | 1050 CONNECTICUT AVENUE NW SUITE 70 WASHINGTON, DC 20036 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.16% |
| WILLIAM B MINTURN3 Filed as: WILLIAM B. MINTURN | 8003 SPRING ROAD BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $891 | — | $891 | 1.85% |
| PHILIP CHAO3 | 8460 TYCO ROAD SUITE E VIENNA, VA 22182 | STANDARD INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | — | $1K | 5.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $964 | — | $964 | 5.00% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 298 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 239 | $97K |
| Vision | VISION SERVICE PLAN | 145 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $184K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $184K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $232K |
| Prescription drug | CAREFIRST BLUECHOICE | 298 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.