| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 6.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $240 | $6K | 6.39% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $5K | $0 | $5K | 12.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | PO BOX 10414 DES MOINES, IA 50306 | AFLAC | $3K | $0 | $3K | 7.30% |
| LAURA GRAVES3 | 4613 VALLEY FORGE DRIVE ROCKVILLE, MD 20853 | AFLAC | $1K | $0 | $1K | 2.70% |
| DEVIN LIZZI3 | 101 SEATON STREET SUMMERVILLE, SC 29486 | AFLAC | $686 | $0 | $686 | 1.62% |
| PETE E KHALAF3 Filed as: PETE E. KHALAF AND OTHER AGENTS | 1523 ENYART WAY UNIT 202 ANNAPOLIS, MD 21409 | AFLAC | $676 | $0 | $676 | 1.59% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $664 | $0 | $664 | 1.57% |
| CRISTY PAYNE3 Filed as: CRISTY LYNN PAYNE | 14770 MCCANN FARM ROAD WOODBINE, MD 21797 | AFLAC | $577 | $0 | $577 | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $988 | $0 | $988 | 5.94% |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 169 | $94K |
| Vision | VISION SERVICE PLAN | 134 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $151K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.