| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $103K | $0 | $103K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $0 | $52K | 9.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $351K | $0 | $351K | 70.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $179 | $2K | 3.73% |
| BARRETT, MARK F3 | 14141 46TH STREET N, SUITE 1209 CLEARWATER, FL 33762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 0.83% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $71 | $259 | 0.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. & OTHER AGENTS | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.38% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $175 | $175 | 0.31% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT L | 2300 NW CORPORATE BOULEVARD SUITE 215, DIVISION 3 BOCA RATON, FL 33431 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.16% |
| SARDINE EMPIRE LLC4 Filed as: SARDINE EMPIRE, LLC | 1410 BETHPAGE WAY GREENACRES, FL 33413 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $4K | $0 | $4K | 10.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | $0 | $2K | 4.31% |
| NATHANIEL SARDINE4 | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $223 | $0 | $223 | 0.51% |
| SARDINE LEGACY LLC4 Filed as: SARDINE LEGACY, LLC | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $162 | $0 | $162 | 0.37% |
| MJ INSURANCE4 Filed as: TONYA M MACK & VARIOUS AGENTS | 5023 WEST QUINCY STREET CHICAGO, IL 60644 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $139 | $0 | $139 | 0.32% |
| LEON PINDER4 | 4055 CLEARVIEW TERRACE WEST PALM BEACH, FL 33417 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $94 | $0 | $94 | 0.22% |
| CARMEN C GUZMAN4 | APT 306 6211 WEST NORTHWEST HIGHWAY DALLAS, TX 75225 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $64 | $0 | $64 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | $0 | $981 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | FIRST UNUM LIFE INSURANCE COMPANY | $12 | $0 | $12 | 1.54% |
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 | 1,522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,376 | $1.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,050 | $153K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,297 | $621K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,522 | $315K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,522 | $197K |
| Other(7 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,297 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.