| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $135K | — | $135K | 8.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $56K | — | $56K | 8.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 22.09% |
| NATIONAL PLANNING CONSULTANTS INC3 | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 20.77% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA, LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 7.81% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $30K | $498 | $30K | 14.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $13K | — | $13K | 9.21% |
| RICHARD W VAN LEUVAN3 | 7000 CENTRAL PARKWAY STE 215 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.21% |
| CHRISTOPHER E MEANS3 | 7000 CENTRAL PARKWAY #215 ATLANTA, GA 30328 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 7.73% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PKWY, STE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.31% |
| CHRIS E MEANS3 | 7000 CENTRAL PARKWAY SUITE 215 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.97% |
| RICHARD W VAN LEUVAN3 | 7000 CENTRAL PARKWAY SUITTE 215 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $550 | — | $550 | 1.27% |
| RICHARD W VAN LEUVAN3 | 7000 CENTRAL PARKWAY SUITE 215 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.73% |
| CHRISTOPHER E MEANS3 | 7000 CENTRAL PARKWAY STE 215 ATLANTA, GA 30328 | GENWORTH LIFE INSURANCE COMPANY | $14K | — | $14K | 51.08% |
| RICHARD W VAN LEUVAN3 | 3455 VALLEY RD NW ATLANTA, GA 30305 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 5.35% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $551 | — | $551 | 11.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122 | — | $122 | 7.98% |
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 | 1,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 136 | $941K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $161K |
| Vision | VISION SERVICE PLAN | 854 | $137K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,169 | $641K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,152 | $1.9M |
| Other(9 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,169 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,169 | — |
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.