| 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 | $15K | $0 | $15K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 200, SUITE 250 JACKSONVILLE, FL 32256 | HCC LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $1K | $16K | 20.16% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.35% |
| FALCO BERNIE3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $871 | $0 | $871 | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $941 | $11K | 14.39% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.58% |
| FALCO BERNIE3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $651 | $0 | $651 | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $0 | $19K | 28.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $2K | $11K | 20.05% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 17.91% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 6.46% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | TRUSTMARK INSURANCE COMPANY | $231 | $0 | $231 | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $939 | $0 | $939 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 35.37% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 760 | $122K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 885 | $315K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 239 | $79K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 885 | $183K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 885 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.