| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 27647 NETWORK PLACE LYNCHBURG, IL 60673 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $165K | — | $165K | 4.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $24K | $3K | $27K | 11.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $10K | — | $10K | 7.91% |
| BOWLES ASSOC INC3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.89% |
| JAMES E. PERKINS3 Filed as: JAMES E PERKINS | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.23% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 0.58% |
| KAREN P. BOWLES3 Filed as: KAREN P BOWLES | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 0.34% |
| KATHERINE D CAMPBELL3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.30% |
| JOY C KUHAR3 | 3247 W RIVER ROAD SCOTTSVILLE, VA 24590 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 0.24% |
| EDWARD M. SCHWAB3 Filed as: EDWARD M SCHWAB | 10187 CABIN COURT MECHANICSVILLE, VA 23116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 28.94% |
| BOWLES ASSOC INC3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JAMES E. PERKINS3 Filed as: JAMES E PERKINS | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KATHERINE D CAMPBELL3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 16.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $411 | — | $411 | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $235 | — | $235 | 8.35% |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 552 | $3.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 426 | $127K |
| Vision | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 407 | $24K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 499 | $322K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 499 | $236K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 499 | $236K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 499 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.