| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $91K | — | $91K | 5.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 5.41% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $30K | $529 | $31K | 14.86% |
| 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 | $12K | — | $12K | 8.00% |
| RICHARD W VAN LEUVAN3 | 3399 PEACHTREE RD NE STE 400 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $11K | — | $11K | 9.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.43% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA, LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| RICHARD W VAN LEUVAN3 | 3399 PEACHTREE RD. NE #400 ATLANTA, GA 30326 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 7.79% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PKWY, STE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.34% |
| RICHARD W VAN LEUVAN3 | 3399 PEACHTREE RD NE STE 400 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.00% |
| RICHARD W VAN LEUVAN3 | 3399 PEACHTREE RD NE STE 400 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $199 | — | $199 | 4.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122 | — | $122 | 8.00% |
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 | 1,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 160 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $148K |
| Vision | VISION SERVICE PLAN | 925 | $118K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,234 | $573K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,222 | $1.6M |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 29 | $198K |
| Other(7 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 1,238 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,238 | — |
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.