| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $101K | — | $101K | 3.38% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE SUITE 200 VANCE, AL 35490 | RELIASTAR LIFE INSURANCE COMPANY | $80K | — | $80K | 2.69% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP, INC. | 5775-D GENRIDGE DRIVE NE SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113K | — | $113K | 21.49% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 11.33% |
| HODGES-MACE LLC3 Filed as: HODGES MACE | 5775-D GLENRIDGE DR SUITE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 7.92% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | HYATT LEGAL PLANS | $10K | — | $10K | 19.78% |
| WILLIAM STEPHENS, JR.3 Filed as: WILLIAM L. STEPHENS | 700 OVERLOOK ROAD NORTH TUSCALOOSA, AL 35406 | HARTFORD LIFE AND ACCIDENT | $700 | — | $700 | 15.63% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER | 12421 MEREDITH DR URBANDALE, IA 50398 | METLIFE | $13K | — | $13K | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,101 | $3.0M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 252 | $514K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,101 | $3.0M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,101 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,101 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.