| 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 | $33K | $9K | $42K | 9.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.20% |
| LONA BISHOP3 | P.O. BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 0.39% |
| VARIOUS - SEE ATTACHED3 | 9 TECHNOLOGY DRIVE STAUNTON, VA 24401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $10 | $7K | 15.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 14.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | — | $10K | 129.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$10K | — | -$10K | -129.15% |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 79 | $43K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $650K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $471K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $464K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $485K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $464K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.