| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR URBANDALE, IA 50398 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $59K | $59K | 3.17% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, OH 31999 | AFLAC | $25K | $892 | $26K | 13.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRAS CORPORATE PKWY STE 300 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $1K | $12K | 6.65% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 14.64% |
| BOUCHARD INSURNACE3 Filed as: BOUCHARD INSURANCE AGENCY | PO BOX 6090 CLEARWATER, FL 33758 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.26% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 422 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $185K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $185K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 406 | $260K |
| Short-term disability | AFLAC | 250 | $193K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $67K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 422 | $2.1M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.