| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $159K | — | $159K | 7.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $65K | — | $65K | 8.22% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $29K | $188 | $30K | 13.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $14K | — | $14K | 10.84% |
| RICHARD W VAN LEUVAN3 | 7000 CENTRAL PARKWAY STE 215 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 42.71% |
| NATIONAL PLANNING CONSULTANTS INC3 | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 41.80% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA, LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.50% |
| CHRISTOPHER E MEANS3 | 7000 CENTRAL PARKWAY #215 ATLANTA, GA 30328 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 7.94% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PKWY, STE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.40% |
| CHRIS E MEANS3 | 7000 CENTRAL PARKWAY SUITE 215 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| CHRISTOPHER E MEANS3 | 7000 CENTRAL PARKWAY STE 215 ATLANTA, GA 30328 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 15.56% |
| RICHARD W VAN LEUVAN3 | 7000 CENTRAL PARKWAY SUITE 215 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $922 | — | $922 | 3.89% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $643 | — | $643 | 11.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | — | $161 | 7.99% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 131 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $207K |
| Vision | VISION SERVICE PLAN | 848 | $130K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,127 | $787K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,111 | $2.1M |
| Other(9 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,127 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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.