| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 240 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $68K | $76K | 5.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $695 | $2K | 7.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | $208 | $570 | 7.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | $171 | $513 | 7.50% |
| ONETECH BENEFITS3 | 2566 GARDENS PARKWAY PALM BEACH GARDENS, FL 33410 | WASHINGTON NATIONAL | $3K | $0 | $3K | 193.96% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | WASHINGTON NATIONAL | $1K | $0 | $1K | 63.55% |
| TODD CHARLES LOUER3 | 3285 LAKEVIEW BLVD DELRAY BEACH, FL 33445 | WASHINGTON NATIONAL | $337 | $0 | $337 | 19.56% |
| RICHARD LEE3 | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | WASHINGTON NATIONAL | $250 | $0 | $250 | 14.51% |
| MICHAEL FOSTER3 | 21251 MARSH HAWK DRIVE LAND O LAKES, FL 34638 | WASHINGTON NATIONAL | $242 | $0 | $242 | 14.05% |
| ANDREA M FALLON-MARESE3 Filed as: ANDREA DRAPER | 3317 NW 11TH AVENUE POMPANO BEACH, FL 33064 | WASHINGTON NATIONAL | $11 | $0 | $11 | 0.64% |
| POWERFLY LLC3 | 8082 STEEPLECHASE DRIVE PALM BEACH GARDENS, FL 33418 | WASHINGTON NATIONAL | $7 | $0 | $7 | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45 | $25 | $70 | 7.87% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $27K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $7K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.4M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.