| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $92K | $109K | 5.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $100 | $9K | 9.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.01% |
| WILLIE BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $8K | $368 | $8K | 11.47% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $2K | $80 | $2K | 2.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $1K | $0 | $1K | 1.79% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $747 | $0 | $747 | 1.03% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIRCLE APARTMENT D221 HANOVER, MD 21076 | AFLAC | $108 | $0 | $108 | 0.15% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NW, SUITE 700 WASHINGTON, DC 20005 | AFLAC | $68 | $0 | $68 | 0.09% |
| EDITH E LEWIS3 | 14579 LONDON LANE BOWIE, MD 20715 | AFLAC | $37 | $0 | $37 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.49% |
| WILLIE BEVERLY3 | 1511 RITCHIE HIGHWAY ARNOLD, MD 21012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | $0 | $232 | 5.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 4.80% |
| MATTHEW W EVANS3 | 127 BOONE TRAIL SEVERNA, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 1.21% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE 302 TAKOMA PARK, MD 20912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.61% |
| EDITH E LEWIS3 Filed as: EDITH EVETTE LEWIS | 14579 LONDON LANE BOWIE, MN 20715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.54% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.9M |
| Vision | VISION SERVICE PLAN | 104 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $101K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 51 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $101K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.9M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.