| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | $38 | $117K | 5.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING BLVD SUITE 200 TAMPA, FL 336076226 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $38 | $13K | 16.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING BLVD SUITE 200 TAMPA, FL 336076226 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $38 | $11K | 16.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING JR BLV SUITE 200 TAMPA, FL 336076226 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | — | $820 | 1.22% |
| MARK F BARRETT LLC3 Filed as: MARK F. BARRETT | 14141 46TH STREET N SUITE 1209 CLEARWATER, FL 33762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.16% |
| 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 | $3K | — | $3K | 5.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $311 | — | $311 | 0.55% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S MOUNT JULIET SUITE 235 PMB 184 MT JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $288 | $288 | 0.51% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.39% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | US BENTEC WORKPLACE SOLUTIONS 700 W HILLSBORO BOULEVARD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.10% |
| VARIOUS - SEE ATTACHMENT4 Filed as: VARIOUS SEE ATTACHEMENT | ONE PREPAID WAY ADA, OK 74820 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 11.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $38 | $3K | 16.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING BLVD SUITE 200 TAMPA, FL 336076226 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | — | $187 | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $841 | — | $841 | 15.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 4.92% |
| 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 | $168 | — | $168 | 25.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 21.71% |
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 | 1,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $67K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.2M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.1M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.