| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | $5K | $61K | 7.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $0 | $40K | 10.00% |
| MGIS3 | 95 SOUTH STATE STREET SUITE 650 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $195 | $195 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.66% |
| WHITTINGTON ROBERT HUNTER3 | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.88% |
| WHITTINGTON ROBERT HUNTER3 | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $652 | $11K | 13.22% |
| WHITTINGTON ROBERT HUNTER3 | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | $0 | $183 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGALPLANS USA | $3K | $0 | $3K | 10.00% |
| WHITTINGTON ROBERT HUNTER3 | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | $0 | $182 | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | $0 | $108 | 0.67% |
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 | 1,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,014 | $858K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,981 | $123K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,869 | $838K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,869 | $822K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,869 | $1.2M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,869 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,981 | — |
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.