| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $186K | $77 | $186K | 12.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $4 | $21K | 22.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4 | $17K | 22.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2 | $8K | 19.70% |
| DANIEL SARDINE3 | APT H2 3594 ALDER DRIVE WEST PALM BEACH, FL 33417 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $699 | $0 | $699 | 4.36% |
| MJ INSURANCE3 Filed as: JOAN G BURTON ENT & VARIOUS AGENTS | APT 207 10360 NW 30TH COURT SUNRISE, FL 33322 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $292 | $0 | $292 | 1.82% |
| NATHANIEL SARDINE3 | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $216 | $0 | $216 | 1.35% |
| SARDINE LEGACY LLC3 | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $175 | $0 | $175 | 1.09% |
| LEON PINDER3 | 4055 CLEARVIEW TERRACE WEST PALM BEACH, FL 33417 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $163 | $0 | $163 | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $132 | $0 | $132 | 0.82% |
| CARMEN C GUZMAN3 | APT 306 6211 W NORTHWEST HIGHWAY DALLAS, TX 75225 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $130 | $0 | $130 | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$64 | -$64 | — |
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 | 1,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $77K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.5M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.5M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,267 | — |
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.