| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148K | — | $148K | 6.25% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC. | 7100 WEST CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | SECURIAN LIFE INSURANCE COMPANY | $182K | $80K | $262K | 14.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | $9K | $106K | 16.34% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC. | 7100 WEST CAMINO REAL SUIE 403 BOCA RATON, FL 33433 | SECURIAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 800 MARKET STREET SUITE 1800 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $1.3M |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $157K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Contract Administrator Service code 13 | — | $94K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Contract Administrator Service code 13 | — | $50K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Contract Administrator Service code 13 | — | $27K |
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 | 2,954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 1,144 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,912 | $2.4M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 2,343 | $27.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,954 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,954 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.