| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | — | $41K | 28.91% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 28.15% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 17.01% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS. BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 13.05% |
| EMILY PORRECA3 | 146 WINDFIELDS LAND WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | $401 | $1K | 1.46% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.40% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE CT. SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.16% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.14% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.08% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LAND MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| DANIEL HALL3 | PO BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER HERINGTON TORBETT | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $11 | $11 | 0.01% |
| KENNETH B TORBETT3 Filed as: KENNETH BARRY TORBETT | 453 BRUSHSTROKE CT MATIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $344 | $344 | 1.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 28.40% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 418 | $142K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 418 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $131K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 418 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.