| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22 FLR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $155K | — | $155K | 7.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22 FLR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $58K | — | $58K | 7.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 2.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INURANCE SERVICES LLC | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $104K | — | $104K | 15.55% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 9.67% |
| NATIONAL PLANNING CONSULTANTS INC3 | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 5.44% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 4.85% |
| SARAH B DOZIER3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.15% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $23K | $184 | $23K | 12.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | SURENCY LIFE AND HEALTH | $16K | — | $16K | 9.96% |
| RICHARD VAN LEUVAN3 | 3101 TOWERCREEK PARKWAY STE 615 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.82% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PARKWAY, SUITE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.29% |
| CHRISTOPHER E MEANS3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| CHRISTOPHER E MEANS3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 15.58% |
| VAN LEUVAN, RICHARD W3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $751 | — | $751 | 3.76% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $510 | — | $510 | 10.04% |
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 | 1,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 120 | $673K |
| Vision | SURENCY LIFE AND HEALTH | 836 | $160K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,223 | $741K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,199 | $2.7M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 120 | $673K |
| Other(7 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 1,223 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,223 | — |
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 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.