| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 1617 PLEASANT HILL ROAD LAFAYETTE, CA 94549 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $190K | — | $190K | 6.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.52% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | HARTFORD LIFE AND ACCIDENT | $237 | — | $237 | 0.10% |
| BOWLES ASSOC INC3 Filed as: BOWLES ASSOCIATES, INC. | P. O. BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 14.44% |
| JAMES E. PERKINS3 | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.95% |
| KAREN P. BOWLES3 | P. O. BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.63% |
| KATHERINE D CAMPBELL3 Filed as: KATHERINE D. CAMPBELL | P. O. BOX 7000 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.18% |
| LUCZAK & ASSOCIATES3 | P. O. BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.14% |
| JOY C KUHAR3 Filed as: JOY C. HUHAR | 3247 W. RIVER ROAD SCOTTSVILLE, VA 24590 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.09% |
| FOREST HILL INSURANCE AGENCY3 | 3622 OLD FOREST ROAD, SUITE A LYNCHBURG, VA 24501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.08% |
| EDWARD M. SCHWAB3 | 10187 CABIN COURT MECHANICSVILLE, CA 23116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 16.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | P. O. BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $276 | $29 | $305 | 10.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $10 | $10 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $15K | — | $15K | — |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 677 | $3.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 499 | $0 |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 677 | $3.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 353 | $246K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 353 | $246K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 353 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.