| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $187 | $187 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 17.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $960 | $14K | 20.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $667 | $9K | 18.03% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.89% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.68% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON, ROBERT H | 700 W HILLSBORO BLVD BLDG 2, STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 14.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| ROBERT HUNTER WHITTINGTON3 | 700 HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.69% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 3.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 1.62% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 100 | $40K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,062 | $288K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 812 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $48K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.