| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 11.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $927 | $18 | $945 | 2.40% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $890 | $0 | $890 | 2.26% |
| ALEJANDRO CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | AFLAC | $785 | $18 | $803 | 2.04% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | AFLAC | $728 | $36 | $764 | 1.94% |
| MJ INSURANCE3 Filed as: LIANA LOPEZ LOPEZ & VARIOUS AGENTS | 17067 NW 56TH COURT MIAMI GARDENS, FL 33055 | AFLAC | $504 | $0 | $504 | 1.28% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD, SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $465 | $0 | $465 | 1.18% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $278 | $0 | $278 | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 240 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PREFERRED LEGAL PLAN | $923 | $0 | $923 | 14.99% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 56 | $39K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $228K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $71K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.