| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.01% |
| INS OFFICE OF AMERICA INC3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRASS CORP PKWY SUNRISE, FL 333233419 | SYMETRA LIFE INSURANCE COMPANY | $414 | — | $414 | 0.08% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $729 | $729 | 0.18% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD STE 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $233 | $233 | 0.09% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58K | — | $58K | 59.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 580 N 4TH ST #400 COLUMBUS, OH 432152153 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $2K | — | $2K | 8.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | ONE INDEPENDENT DRIVE JACKSONVILLE, FL 32202 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $1K | — | $1K | 6.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 580 N 4TH ST STE 400 COLUMBUS, OH 432152153 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $695 | — | $695 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $561K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 DENTAL ADMIN | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $57K |
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 | 1,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 704 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,117 | $594K |
| Vision | EYEMED | 2,590 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $415K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $395K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 659 | $248K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,117 | $496K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,300 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.