| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $105K | $0 | $105K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $6K | $61K | 7.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 10.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $614 | $5K | 6.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $39K | $39K | 50.04% |
| BARRETT, MARK F3 | 14141 46TH STREET NORTH, SUITE 1209 CLEARWATER, FL 33762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $780 | $60 | $840 | 1.61% |
| 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 | $408 | $0 | $408 | 0.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE, PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.25% |
| PIERCE, DWIGHT L & OTHER AGENT3 | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.24% |
| 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 | $67 | $67 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | $0 | $2K | 5.07% |
| SARDINE EMPIRE, LLC4 | 1410 BETHPAGE WAY GREENACRES, FL 33413 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | $0 | $2K | 4.05% |
| NATHANIEL SARDINE4 | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $198 | $0 | $198 | 0.44% |
| SARDINE LEGACY LLC4 Filed as: SARDINE LEGACY, LLC | 1287 BEACON CIRCLE WELLINGTON, FL 33414 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $127 | $0 | $127 | 0.28% |
| CARMEN C GUZMAN & OTHER AGENTS4 | 6211 WEST NORTHWEST HIGHWAY APARTMENT 306 DALLAS, TX 75225 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $76 | $0 | $76 | 0.17% |
| LEON PINDER4 | 4055 CLEARVIEW TERRACE WEST PALM BEACH, FL 33417 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $34 | $0 | $34 | 0.08% |
| TONYA M MACK4 | 5023 WEST QUINCY STREET CHICAGO, IL 60644 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $28 | $0 | $28 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 48.79% |
| 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 | 1,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,561 | $1.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,234 | $158K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,314 | $839K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,547 | $395K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,545 | $303K |
| Other(9 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,314 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,561 | — |
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.