| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N ROCKY POINT DR W STE 700 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $87K | $87K | 5.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 9.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $336 | $1K | 24.14% |
| GARIE LYN N. LASHER4 | 19120 NW 60TH AVE REDDICK, FL 32686 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $335 | — | $335 | 17.01% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 346 REIST ST WILLIAMSVILLE, NY 14221 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $144 | — | $144 | 7.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DR. W STE 700 TAMPA, FL 33607 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $116 | — | $116 | 5.89% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $1.7M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 255 | $140K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 312 | $23K |
| Life insurance | AETNA LIFE INSURANCE CO. | 394 | $169K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 394 | $169K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 394 | $169K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $1.7M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 394 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.