| 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 | $0 | $12K | $12K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $68K | $68K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $49K | $49K | 0.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $500K | $47K | $547K | 9.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726K | $0 | $726K | 14.86% |
| THERON A GUTHRIE3 Filed as: THERON ASBURY GUTHRIE JR | 4921 PALMETTO PARK DRIVE WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539K | $0 | $539K | 11.02% |
| JEFFREY BRET HAWKINS3 | 4667 SECRET RIVER TRAIL PORT ORANGE, FL 32129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168K | $0 | $168K | 3.45% |
| JAMIE LYNN HAWKINS3 | 3600 RODEO ACRES DRIVE OMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.13% |
| TLW VENTURES LLC3 Filed as: TLW VENTURES, LLC | 9825 SANDY PINES ROAD CLEMONT, FL 34711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.00% |
| TANYA L WINCHESTER3 Filed as: TANYA LYNN RUHL AND OTHER AGENTS | 9825 SANDY PINES ROAD CLEMONT, FL 34711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.00% |
| MERRITT ENTERPRISE LLC3 Filed as: MERRITT ENTERPRISE, LLC | 3518 BONNIE DRIVE APOPKA, FL 32703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $17K | $17K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.80% |
| CAHILL INC3 Filed as: CAHILL, INC. | PO BOX 3191 ORLANDO, FL 32802 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $93 | $12K | 6.75% |
| UNITED COMMUNITY INSURANCE, INC.3 | 450 SOUTH ORANGE AVENUE SUITE 1200 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.31% |
| CHRISTINE SCOTT3 | 1771 CHEYENNE TRAIL MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INS SVCS AND OTHERS | 6510 SOUTH MILLEROCK DRIVE SUITE 435 HOLLADAY, UT 84121 | METROPOLITAN LIFE INSURANCE COMPANY | $551 | $0 | $551 | 0.30% |
| LARSON FINANCIAL GROUP, LLC3 | 14567 NORTH OUTER 40 ROAD SUITE 300 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | — | $384 | 0.21% |
| SECURA BROKERAGE LLC3 Filed as: SECURA CONSULTANTS, LLC | 5707 LINDA LANE ROCKFORD, MN 55373 | METROPOLITAN LIFE INSURANCE COMPANY | $354 | — | $354 | 0.19% |
| DREW E SAMELSON3 Filed as: DREW SAMELSON | 346 TRISMEN TERRACE WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $301 | $0 | $301 | 0.16% |
| CAHILL INC3 Filed as: CAHILL, INC. | PO BOX 3191 ORLANDO, FL 32802 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $0 | $562 | 7.45% |
| CHRISTINE SCOTT3 | 1771 CHEYEBBE TRAIL MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $257 | $0 | $257 | 3.41% |
| UNITED COMMUNITY INSURANCE, INC.3 | 450 SOUTH ORANGE AVENUE SUITE 1200 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | $0 | $89 | 1.18% |
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 | 37,979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 28,065 | $15.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 41,645 | $5.2M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,375 | $8.2M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35,869 | $15.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37,527 | $6.0M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 38,375 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,645 | — |
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."
No prospect flags tripped on this filing.