| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SERVICES | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | ANTHEM BLUE CROSS AND BLUE SHIELD OF VIRGINIA | -$67K | $0 | -$67K | -2.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SERVICES | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | HARTFORD LIFE AND ACCIDENT | $25K | $0 | $25K | 9.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $1K | $364 | $1K | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1051 EAST CARY STREET, SUITE 900 RICHMOND, VA 23219 | DELTA DENTAL OF VIRIGINIA | $1K | $0 | $1K | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $987 | $11 | $998 | 4.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $504 | $62 | $566 | 12.41% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD OF VIRGINIA | 707 | $3.4M |
| Dental | DELTA DENTAL OF VIRIGINIA | 534 | $176K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD OF VIRGINIA | 707 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 422 | $283K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 422 | $262K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 422 | $262K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD OF VIRGINIA | 707 | $3.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 422 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.