| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36 | $4K | $4K | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $50K | $50K | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $380K | $37K | $417K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $39K | $39K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261K | $0 | $261K | 9.82% |
| THERON A GUTHRIE3 | 4921 PALMETT OPARK DRIVE WINTER PARK, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225K | $0 | $225K | 8.47% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY AND JAMIE HAWKINS | 3930 S NOVA ROAD, SUITE 201 PORT ORANGE, FL 32127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | $0 | $63K | 2.38% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES | 9825 SANDY PINES ROAD CLERMONT, FL 34711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.11% |
| MERRITT ENTERPRISE LLC3 | 3518 BONNIE DRIVE APOPKA, FL 32703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.09% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES | 614 E HWY 50 #338 CLERMONT, FL 34711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.05% |
| TRACI R BATTEN3 | 375 HARBOR COVE DRIVE 323 SPARKS, NV 89434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12K | $12K | 0.87% |
| CAHILL INC3 | PO BOX 3191 ORLANDO, FL 32802 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $90 | $78K | 20.43% |
| FINTRUST INSURANCE & BENEFITS INC3 | 100 COLONIAL CENTER PARKWAY SUITE 100 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $90 | $8K | 2.16% |
| DREW E SAMELSON3 Filed as: DREW SAMELSON AND OTHER AGENTS | 346 TRISMEN TERRACE WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 0.69% |
| REED HEADLEY SCHNITTKER3 Filed as: REED SCHNITTKER | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | METROPOLITAN LIFE INSURANCE COMPANY | $482 | $90 | $572 | 0.15% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC | 280 S 400 W, SUITE 100 SALT LAKE CITY, UT 84101 | METROPOLITAN LIFE INSURANCE COMPANY | $457 | $90 | $547 | 0.14% |
| LARSON FINANCIAL GROUP, LLC.3 Filed as: LARSON FINANCIAL GROUP LLC | 14567 NORTH OUTER 40 ROAD SUITE 300 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $407 | $90 | $497 | 0.13% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BLVD, SUITE 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | $90 | $451 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.84% |
| CAHILL INC3 | PO BOX 3191 ORLANDO, FL 32802 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.99% |
| FINTRUST INSURANCE & BENEFITS INC3 Filed as: FINTRUST INSURANCE & BENEFITS, INC | 100 COLONIAL CENTER PARKWAY SUITE 100 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $635 | $0 | $635 | 0.92% |
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 | 25,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,612 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 18,900 | $10.4M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 28,056 | $3.6M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,394 | $6.1M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,394 | $5.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,394 | $4.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 25,394 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,056 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.