| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PKWY STE300 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.70% |
| SHARON R NOWELL3 | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | — | $551 | 3.92% |
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE AGENCY INC | PO BOX 5648 FT LAUDERDALE, FL 33310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 1.09% |
| KENNETH DAVID WILDER3 | 10824 SW 2ND ST MIAMI, FL 33173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.94% |
| AVERY INSURANCE INC3 | ATTN PEMELA AVERY POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.43% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.33% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.21% |
| GATEWAY-ACENTRIA INSURANCE LIE3 | PO BOX 5648 FT LAUDERDALE, FL 33310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.16% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| NELSON G FABAL3 | 17820 NW 84TH AVE MIAMI, FL 33015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $438 | $4K | — |
| MARIE FRANCES AIELLO3 | 908 NE 6 STREET POMPANO BEACH, FL 33060 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $638 | — | $638 | — |
| ALLIANCE FINANCIAL GROUP OF CENTRAL3 Filed as: ALLIANCE FINANCIAL GROUP OF S. FL | 14021 METROPOLIS AVE FORT MYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | — |
| ALLIANCE FINANCIAL GROUP OF CENTRAL3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | — |
| NCP FINANCIAL3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | — |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $927K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $0 |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $60K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $927K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.