| 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 | RELIASTAR LIFE INSURANCE COMPANY | $73K | — | $73K | 11.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.26% |
| TBX BENEFIT PARTNERS3 | SIX CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.40% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | — | $489 | 0.34% |
| TBX BENEFIT PARTNERS3 | SIX CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.26% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $146 | — | $146 | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.73% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 10.19% |
| BENEFIT EXCHANGE3 Filed as: THE BENEFIT EXCHANGE, LLC | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $35 | $35 | 0.27% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE ST. NE STE 200 MARIETTA, GA 30060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 10.70% |
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 | 1,268 | 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) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 972 | $124K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,945 | $628K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $13K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,305 | $170K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1 | $383 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,945 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.