| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $193K | $7K | $200K | 15.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $120K | $6K | $126K | 10.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $54K | $3K | $57K | 10.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $7K | $0 | $7K | 1.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $496 | $16K | 15.48% |
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 | 4,846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMISE HEALTH EMPLOYER SOLUTIONS, LLC | 8,862 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,890 | $509K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,846 | $1.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,166 | $1.2M |
| Prescription drug | PREMISE HEALTH EMPLOYER SOLUTIONS, LLC | 8,862 | $1.5M |
| Other(5 contracts, 4 carriers) | PREMISE HEALTH EMPLOYER SOLUTIONS, LLC | 8,862 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,862 | — |
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."
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.