| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $282K | — | $282K | 2.79% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $66 | — | $66 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | GUARDIAN LIFE INSURANCE | $107K | $24K | $132K | 16.55% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 25.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 23.46% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | — | $36K | 38.81% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 14.68% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 31.70% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FORREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.14% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
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 | 3,228 | 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) | 3,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,715 | $10.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,715 | $10.1M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,715 | $10.1M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 3,228 | $908K |
| Short-term disability | GUARDIAN LIFE INSURANCE | 3,228 | $796K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 3,228 | $796K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,715 | $10.1M |
| Other(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE | 3,228 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,228 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.