| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 125 OTTAWA AVENUE NW SUITE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 5.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $372 | $372 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 NORTH ROCKY POINT DRIVE WEST TAMPA, FL 33607 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $14K | — | $14K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.93% |
| BENETEK CORPORATION3 | 6211 GREATWATER DRIVE WINDERMERE, FL 34786 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.69% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| BENETEK CORPORATION3 | 6211 GREATWATER DRIVE WINDMERE, FL 34786 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.52% |
| BENETEK CORPORATION3 | 6211 GREATWATER DRIVE WINDERMERE, FL 34786 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $883 | — | $883 | 2.04% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DRIVE WINDMERE, FL 34786 | TRUSTMARK INSURANCE COMPANY | $542 | — | $542 | 1.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 25.00% |
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 | 927 | 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) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | 811 | $142K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 970 | $702K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 200 | $73K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 970 | $672K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 970 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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.