| 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 | $20K | — | $20K | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 10151 DEERWOOD PARK BLVD BUIDLING 200, SUITE 250 JACKSONVILLE, FL 32256 | 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 | $10K | $149 | $10K | 12.35% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $881 | — | $881 | 1.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $248 | $15K | 20.16% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.76% |
| 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 | 20.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $128 | $8K | 16.51% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD STE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.92% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.12% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.12% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DRIVE WINDMERE, FL 34786 | TRUSTMARK INSURANCE COMPANY | $160 | — | $160 | 0.66% |
| BENTEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | TRUSTMARK INSURANCE COMPANY | $105 | — | $105 | 0.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 30.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 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 | $1K | — | $1K | 17.89% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 690 | $134K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 797 | $431K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 228 | $132K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $156K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 797 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.