| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER | 3031 NORTH ROCKY POINTE DRIVE SUITE 700 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $2.2M |
| SUPERIOR VISION EIN 39-0493780 VISION | Employee (plan) Service code 30 | — | $314K |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $233K |
| CHARD SNYDER EIN 31-1239992 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $91K |
| AETNA PPO/EPP DENTAL EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $89K |
| MORNEAU SHEPELL EIN 52-1883918 EAP/EAP PLUS | Employee (plan) Service code 30 | — | $40K |
| DELTA DENTAL PPO/EPP EIN 85-0224562 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $27K |
| VSP VISION NM EIN 36-3560825 VISION | Employee (plan) Service code 30 | — | $9K |
| TELADOC EIN 04-3705970 TELADO NM | Employee (plan) Service code 30 | — | $2K |
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 | 3,927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | UNUM LIFE INSURANCE COMPANY | 3,753 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,753 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.