| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 5.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 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 | $5K | $244 | $5K | 8.11% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $985 | — | $985 | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 17.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $390 | $9K | 16.09% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $347 | $6K | 13.91% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $452 | — | $452 | 1.00% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.15% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DRIVE WINDMERE, FL 34786 | TRUSTMARK INSURANCE COMPANY | $273 | — | $273 | 1.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $983 | — | $983 | 17.45% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 635 | $112K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 714 | $436K |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 184 | $122K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 484 | $164K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 714 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.