| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $373 | $1K | 3.32% |
| WELLS FARGO INSURANCE SERVICES3 | 9020 STONEY POINT PKWY, STE 200 RICHMOND, VA 23235 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $724 | — | $724 | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1051 EAST CARY STREET, SUITE 900 RICHMOND, VA 23219 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.28% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203510 DALLAS, TX 75320 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $846 | — | $846 | 3.90% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 258 | $159K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 285 | $22K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 247 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $43K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 247 | $132K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 247 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.