| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J MACE3 | 5775 D GLENRIDGE DR, STE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $191K | — | $191K | 50.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $53K | — | $53K | 13.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $1K | $12K | 5.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS IF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $12K | — | $12K | 6.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $8K | — | $8K | 3.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 7.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | HYATT LEGAL PLANS | $2K | — | $2K | 7.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH & BENEFIT ADMIN. LLC | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | HYATT LEGAL PLANS | $981 | — | $981 | 2.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.04% |
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 | 2,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 355 | $3.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,333 | $141K |
| Vision | VISION SERVICE PLAN | 1,946 | $197K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 2,094 | $633K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,094 | $225K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,094 | $255K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 2,094 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,333 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.