| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 3.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 1.16% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $35K | $2K | $37K | 17.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 11.61% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PKWY STE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3475 PIEDMONT RD STE 1200 ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $3K | $260 | $4K | 10.78% |
| UMR, INC.3 Filed as: UMR INC | 115 WEST WAUSAU AVE WAUSAU, WI 54401 | HARTFORD LIFE AND ACCIDENT | $230 | — | $230 | 5.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $180 | — | $180 | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75 | — | $75 | 8.04% |
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 | 1,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 184 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $119K |
| Vision | VISION SERVICE PLAN | 930 | $94K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,505 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,505 | $1.4M |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 35 | $161K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,505 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,505 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.