| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $110K | — | $110K | 7.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 6.91% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $39K | $225 | $39K | 17.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 16.00% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 57.31% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA, LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 22.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 9.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.00% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 8.60% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PKWY, STE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY, BLDG 200, #610 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| RICHARD W VAN LEUVAN3 | 3715 NORTHSIDE PKWY BLDG 200 #610 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $191 | — | $191 | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167 | — | $167 | 16.01% |
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 | 1,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 162 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $145K |
| Vision | VISION SERVICE PLAN | 917 | $94K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,196 | $524K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,188 | $1.6M |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 31 | $206K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,196 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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.