| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | HEALTH OPTIONS, INC. | $48K | — | $48K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 14.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1212 MAIN STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $377 | $2K | 2.59% |
| VARIOUS - SEE ATTACHMENT3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 30.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 10414 DES MOINES, IA 50306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $603 | — | $603 | 6.25% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $603 | — | $603 | 6.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB OF AMERICA | $228 | — | $228 | 24.78% |
| BENEFITS TECHNOLOGIES LLC3 | 2300 NW CORPORATE BLVD, #215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 4.05% |
| HEATHER N. LECK3 Filed as: HEATHER N PECK | 80 NE 4TH AVENUE, SUITE 21 DELRAY BEACH, FL 33483 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 1.35% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 160 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $82K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 160 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.