| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $82K | $93K | 5.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 12.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.01% |
| WILLIE F BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $6K | $74 | $6K | 10.98% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $1K | $0 | $1K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $1K | $0 | $1K | 2.11% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $695 | $0 | $695 | 1.25% |
| MJ INSURANCE3 Filed as: CAROLIN BERMUDEZ & VARIOUS AGENTS | 2991 WINDING RIVER PLACE LAUREL, MD 20724 | AFLAC | $114 | $0 | $114 | 0.21% |
| EDITH E LEWIS3 | 14579 LONDON LANE BOWIE, MD 20715 | AFLAC | $102 | $0 | $102 | 0.18% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIRCLE, APT D221 HANOVER, MD 21076 | AFLAC | $87 | $0 | $87 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.29% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $1.7M |
| Vision | VISION SERVICE PLAN | 99 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $72K |
| Short-term disability | AFLAC | 47 | $55K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $72K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
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.