| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA INSURANCE COMPANY | — | $508 | $508 | 1.01% |
| NANCY H. HUGHES3 | 9200 MONTGOMERY BLVD. NE ALBUQUERQUE, NM 87111 | AFLAC | $886 | $52 | $938 | 5.62% |
| ANTHONY P. GARCIA3 | 9200 MONTGOMERY BLVD. NE SUITE B ALBUQUERQUE, NM 87111 | AFLAC | $639 | — | $639 | 3.83% |
| DAVID JOSHUA ABDELAZIZ3 | 9620 SUNDORO PLACE NW ALBUQUERQUE, NM 87120 | AFLAC | $367 | $10 | $377 | 2.26% |
| NANCY H. HUGHES3 | 6565 AMERICAS PARKWAY NE SUITE 115 ALBUQUERQUE, NM 87110 | AFLAC | $347 | — | $347 | 2.08% |
| ALMA IKIC3 | 3825 NORTH POLE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $241 | $15 | $256 | 1.53% |
| KIMERLY SCOTT3 | 312 N. MESA VERDE AVENUE AZTEC, NM 87410 | AFLAC | $217 | — | $217 | 1.30% |
| DAVID JOSHUA ABDELAZIZ3 | 6404 DODGER DRIVE PASCO, WA 99301 | AFLAC | $187 | — | $187 | 1.12% |
| EZEQUIEL BUCCI TORRES3 | 3712 CHELWOOD DRIVE NE ALBUQUERQUE, NM 87111 | AFLAC | $87 | — | $87 | 0.52% |
| WILLIAM A. HUGHES3 | PO BOX 91182 ALBUQUERQUE, NM 87199 | AFLAC | $66 | — | $66 | 0.40% |
| LILLIAN P ZILIUS3 Filed as: LILLIAN P. ZILIUS | 19 STORYTELLER COURT SANDIA PARK, NM 87047 | AFLAC | $57 | $4 | $61 | 0.37% |
| PHILLIP RAY MIRANDA3 | 6116 SWEETWATER DRIVE NW ALBUQUERQUE, NM 87120 | AFLAC | $38 | — | $38 | 0.23% |
| TODD E SHENBERGER3 Filed as: TODD E. SHENBERGER | PO BOX 20412 ALBUQUERQUE, NM 87154 | AFLAC | $38 | — | $38 | 0.23% |
| KIMBERLY SCOTT3 | 1908 MESA GRANDE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $16 | $21 | $37 | 0.22% |
| RAMOS & CO FINANCIAL SERVICES LLC3 Filed as: RAMOS & CO. FINANCIAL SERVICES LLC | 7603 WILDCAT PASS AUSTIN, TX 78757 | AFLAC | $30 | — | $30 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DWIGHT A. BROWN | 837 CAMINO VISTAS ENCANTADA SANTA FE, NM 87507 | AFLAC | $29 | — | $29 | 0.17% |
| JEFFREY PAUL SEPESI3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $27 | — | $27 | 0.16% |
| JOSHUA WILLIAM HARCROW3 | 705 BISHOP LANE FARMINGTON, NM 87401 | AFLAC | $21 | — | $21 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $18 | — | $18 | 0.11% |
| LUIS CARLOS SANDOVAL3 Filed as: LUIS C. SANDOVAL JR. | 3141 AMARILLO STREET EL PASO, TX 79936 | AFLAC | $12 | — | $12 | 0.07% |
| ERIC J LEGER3 Filed as: ERIC J. LEGER | 623 E 7TH 1/2 STREET HOUSTON, TX 77007 | AFLAC | $9 | — | $9 | 0.05% |
| VERNON P HERRERA3 Filed as: VERNON P. HERRERA | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $8 | — | $8 | 0.05% |
| KAREN LYNN GRACZYK3 | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $8 | — | $8 | 0.05% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD. W SUITE 620 EL PASO, TX 79925 | AFLAC | $6 | — | $6 | 0.04% |
| TERRANCE ANDREW LINTON3 | 323 10TH STREET NW ALBUQUERQUE, NM 87102 | AFLAC | $6 | — | $6 | 0.04% |
| H PATRICK BRUMLEY3 Filed as: H. PATRICK BRUMLEY | 1524 TWISTLEAF ROAD ARGYLE, TX 76226 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVENUE NE RIO RANCHO, NM 87124 | AFLAC | $3 | — | $3 | 0.02% |
| JEREMY CONGO3 | 12101 SIGNAL AVENUE NE ALBUQUERQUE, NM 87122 | AFLAC | $2 | — | $2 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $682 | — | $682 | 7.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $137 | $137 | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $36 | $36 | 1.73% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $655K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 139 | $50K |
| Vision | VISION SERVICE PLAN | 66 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $655K |
| Other(2 contracts, 2 carriers) | AFLAC | 101 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.