| 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 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $28K | — | $28K | 9.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $12K | — | $12K | 7.24% |
| BOWLES ASSOC INC3 Filed as: BOWLES ASSOCIATES, INC. | P. O. BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.84% |
| JAMES E. PERKINS3 | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.69% |
| KAREN P. BOWLES3 | P. O. BOX 7000 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| LUCZAK & ASSOCIATES3 | P. O. BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | — | $198 | 0.37% |
| KATHERINE D CAMPBELL3 Filed as: KATHERINE D. CAMPBELL | P. O. BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 0.28% |
| JOY C KUHAR3 Filed as: JOY C. KUHAR | 3247 W. RIVER ROAD SCOTTSVILLE, VA 24590 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.19% |
| EDWARD M. SCHWAB3 | 10187 CABIN COURT MECHANICSVILLE, VA 23116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 24.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $4K | — | $4K | 13.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $293 | $38 | $331 | 12.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | P. O. BOX 100260 PASADENA, CA 91189 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $8 | $8 | 0.29% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 551 | $300K |
| Dental | DELTA DENTAL OF VIRGINIA | 484 | $165K |
| Vision | EYEMED VISION CARE | 460 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 371 | $230K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 371 | $230K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 371 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.