| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $122K | — | $122K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $118K | $118K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $249K | — | $249K | 3.93% |
| THERON A GUTHRIE3 | 4921 PALMETTO PARK DRIVE WINTER PARK, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179K | — | $179K | 23.20% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES | 614 E HWY 50 #338 CLERMONT, FL 34711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | — | $41K | 5.34% |
| MERRITT ENTERPRISE LLC3 Filed as: MERRITT ENTERPRISES LLC | 3518 BONNIE DRIVE APOPKA, FL 32703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 1.70% |
| TRACI R BATTEN3 Filed as: TRACI R PETERS | 4110 SOUTHPOINT BLVD STE 210 JACKSONVILLE, FL 32216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| JEFFREY B HAWKINS3 | 3930 S NOVA ROAD SUITE 201 PORT ORANGE, FL 32127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | P.O. BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173K | $14K | $187K | 31.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | P.O. BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $729 | $11K | 33.07% |
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 | 16,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,424 | $772K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,939 | $6.3M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 20,742 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 16,434 | $8.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 16,434 | $8.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 16,434 | $8.7M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 16,434 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,742 | — |
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.