| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $135K | $0 | $135K | 6.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 13793 NEWARK, NJ 07188 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $47K | $0 | $47K | 6.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 13793 NEWARK, NJ 07188 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 1.84% |
| METZGER ASSOCIATES INC3 | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $10K | $0 | $10K | 5.86% |
| SANDRA J. YARBROUGH3 Filed as: SANDRA J LEAR | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $4K | $0 | $4K | 2.45% |
| MJ INSURANCE3 Filed as: LANCE OSBORNE & VARIOUS AGENTS | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $2K | $0 | $2K | 1.42% |
| KATHLEEN T BENES3 | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $2K | $0 | $2K | 1.34% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $2K | $0 | $2K | 1.30% |
| THOMAS METZGER3 Filed as: THOMAS D METZGER | 1083 E COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $717 | $0 | $717 | 0.41% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $420 | $0 | $420 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $15K | $0 | $15K | 10.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.00% |
| CHRISTOPHER E MEANS3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | GENWORTH LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.45% |
| HIGHLAND CAPITAL BROKERAGE INC3 | 3535 GRANDVIEW PARKWAY, SUITE 600 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.69% |
| CHRISTOPHER E MEANS3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | GENWORTH LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.65% |
| VAN LEUVAN, RICHARD W3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $735 | $0 | $735 | 3.66% |
| MEANS, CHRIS E3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| MEANS, CHRIS E3 | 3101 TOWERCREEK PARKWAY, SUITE 615 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.01% |
| SANDRA J. YARBROUGH3 Filed as: SANDRA J LEAR | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $322 | $15 | $337 | 6.72% |
| KAREN H SMITH3 | 145 CHRUCH STREET NE, SUITE 200 MARIETTA, GA 30060 | AFLAC | $87 | $0 | $87 | 1.73% |
| MJ INSURANCE3 Filed as: SEAN T MCKIERNAN & VARIOUS AGENTS | 14545 S MILITARY TRAIL, SUITE J DELRAY BEACH, FL 33484 | AFLAC | $60 | $0 | $60 | 1.20% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW, SUITE 2120 KENNESAW, GA 30144 | AFLAC | $57 | $0 | $57 | 1.14% |
| JASON SALLEMI3 | 302 MONROE STREET APARTMENT 4B HOBOKEN, NJ 07030 | AFLAC | $28 | $0 | $28 | 0.56% |
| DARLENE RUESS3 | 110 HADDEN STREET PEEKSKILL, NY 10566 | AFLAC | $21 | $0 | $21 | 0.42% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SE, SUITE 1020 ROME, GA 30161 | AFLAC | $18 | $0 | $18 | 0.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | $0 | $121 | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INURANCE SERVICES LLC | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | — |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF GEORGIA, LLC | 5040 ROSELL ROAD ATLANTA, GA 30342 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | — |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | — |
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 | 1,165 | 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) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 628 | $852K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $122K |
| Vision | VISION SERVICE PLAN | 871 | $143K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,166 | $687K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,145 | $2.0M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 628 | $852K |
| Other(10 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,166 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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.