| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.04% |
| AFFORDABLE BENEFITS LLC3 | 1972 WINTERHAVEN DRIVE VIRGINIA BEACH, VA 23456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENGY OF VA | 500 E MAIN STREET NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $64 | $1K | 2.75% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $0 | $637 | 1.44% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $31 | $468 | 1.06% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $34 | $456 | 1.03% |
| BENEFITS COUNT INC3 | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $172 | $437 | 0.99% |
| DIANE E MCCOY3 | 1913 RETREAT DRIVE MECHANICSVILLE, VA 23111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $20 | $369 | 0.83% |
| CARMEN CUTRONE3 | 122 RIVERSIDE DRIVE PORTSMOUTH, VA 23707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $10 | $243 | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHIGAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.44% |
| DEBRA LEWIS LINGER3 Filed as: DEBRA LEWIS LINGSER | 4236 WOODLAWN DRIVE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $27 | $88 | 0.20% |
| ARTHUR WAYNE JORDAN JR3 | 514 OARKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $25 | $86 | 0.19% |
| BARRETT L PATTERSON3 | P O BIX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $105K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.