| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N ROCKY POINT DRIVE SUITE 700 TAMPA, FL 27728 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3 | $176K | $176K | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DRIVE W SUITE 700 TAMPA, FL 336075879 | HUMANA INSURANCE COMPANY | $21K | — | $21K | 9.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 333 S 7TH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 333 S 7TH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 333 S 7TH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DRIVE W SUITE 700 TAMPA, FL 336075879 | COMPBENEFITS COMPANY | $3K | — | $3K | 9.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $1K | — | $1K | 14.99% |
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 | 696 | 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) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 699 | $3.7M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 452 | $239K |
| Vision | HUMANA INSURANCE COMPANY | 452 | $209K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $139K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $129K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.
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.