| 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 | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH | — | $116K | $116K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $46K | — | $46K | 4.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $20K | — | $20K | 4.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $5K | $15K | 5.57% |
| ASHLEY KIEHNER3 | 900 LIBERTY PL SICKLERVILLE, NE 08081 | AFLAC | $26K | $3K | $29K | 15.03% |
| LARRY KENNEY3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $7K | $902 | $8K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | P.O. BOX 10414 DES MOINES, IA 50306 | AFLAC | $7K | — | $7K | 3.80% |
| EDIANA MARTINEZ3 | 927 N. MAIN ST. SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $4K | $1K | $5K | 2.56% |
| ALISON YOUNG3 | 784 CARTERET CT MOUNT LAUREL, NJ 08054 | AFLAC | $3K | $21 | $3K | 1.52% |
| JUSTIN MAZE3 | 8 EMERY HILL CT. MARLTON, NJ 08053 | AFLAC | $2K | $46 | $2K | 1.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $1K | $580 | $2K | 0.86% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKERVILLE, NJ 08081 | AFLAC | $861 | — | $861 | 0.44% |
| DAVID HERNANDEZ3 | 3848 W. CARSON ST. SUITE 110 TORRANCE, CA 90503 | AFLAC | $750 | — | $750 | 0.39% |
| STARDUST SANTIAGO3 | 3 BEDFORD DR. EGG HARBOR TWP, NJ 08234 | AFLAC | $434 | $131 | $565 | 0.29% |
| KEVIN A KELLEHER3 Filed as: KEVIN KIEHNER | 107 W. CENTENNIAL DR. MEDFORD, NJ 08055 | AFLAC | $439 | — | $439 | 0.23% |
| MARIA NUNEZ4 | 37 N. END DR. SECAUCUS, NJ 07094 | AFLAC | $284 | — | $284 | 0.15% |
| KAREN HARRIS3 | 229 BROAD STREET ELMER, NJ 08318 | AFLAC | $200 | — | $200 | 0.10% |
| AMANDA M MERKL3 Filed as: AMANDA MERKL | 331 PRESTON AVE. APT. 1402 VOORHEES, NE 08043 | AFLAC | $172 | $8 | $180 | 0.09% |
| SHELLEY HARTSELL3 | 8735 WESTMORLAND DR. CORNELIUS, NC 28031 | AFLAC | $136 | $35 | $171 | 0.09% |
| KATY NOLAN3 | 316 RANCOCAS BLVD MOUNT LAUREL, NJ 08054 | AFLAC | $147 | $19 | $166 | 0.09% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 6167 BRISTOL PKWY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $102 | — | $102 | 0.05% |
| MICHAEL HENSH3 | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $77 | — | $77 | 0.04% |
| CARLY FLANNERY3 | 202 SYLVAN AVE. GALLOWAY, NE 08205 | AFLAC | $25 | $30 | $55 | 0.03% |
| NICHOLAS STILLS3 | 8801 GEORGE WYTHE CT. CHARLOTTE, NC 28277 | AFLAC | $45 | $7 | $52 | 0.03% |
| ELIZABETH HARKEY3 | 501 N. CHURCH ST. SUITE 300 CHARLOTTE, NC 28601 | AFLAC | $27 | $7 | $34 | 0.02% |
| HYLANT GROUP INC3 Filed as: SHANNYN HYLAND | 276 N. HARVEY ST. PLYMOUTH, MI 48170 | AFLAC | $32 | — | $32 | 0.02% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVE. ALLEGAN, MI 49010 | AFLAC | $31 | — | $31 | 0.02% |
| D AND V BUTLER INC3 Filed as: J. BUTLER | 1400 OLD LENOIR RD. SUITE A HICKORY, NC 28601 | AFLAC | $20 | $7 | $27 | 0.01% |
| TREVOR A SMALL3 Filed as: TREVOR SMALL | 3420 KENBROOKE CT. KALAMAZOO, MI 49006 | AFLAC | $25 | — | $25 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $2K | $10K | 8.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $1K | $10K | 13.82% |
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 | 1,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH | 1,186 | $10.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,827 | $627K |
| Vision(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH | 1,186 | $10.4M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 1,344 | $314K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,297 | $456K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 743 | $71K |
| Prescription drug(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH | 1,186 | $10.4M |
| Other(3 contracts, 3 carriers) | AFLAC | 1,440 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,827 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.