| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 3031 N ROCKY POINT DR W STE 700 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $21K | $28K | 3.34% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $5K | $7K | 0.85% |
| DIAZ VICTOR G3 | 12518 EVINGTON POINT DR RIVERVIEW, FL 33579 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $669 | $0 | $669 | 4.94% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $474 | $0 | $474 | 3.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $470 | $0 | $470 | 3.47% |
| JOHN C JONES & ASSOC INC3 | 2027 HAWAII AVE NE ST PETERSBURG, FL 33703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | $0 | $243 | 1.79% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | $0 | $158 | 1.17% |
| WEISHAUPT HEIDI S3 | 4520 29TH AVENUE CIRCLE E PALMETTO, FL 34221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | $60 | $113 | 0.83% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS INC | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.38% |
| SCHUMAKER HAROLD WILLIAM3 | 10471 SANDERLING SHORES DR APT 204 TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.24% |
| THE NICHOLAS GROUP3 | 3074 LANDMARK BLVD APT 1501 PALM HARBOR, FL 346845045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.07% |
| STONE RONALD3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $864 | $0 | $864 | 11.00% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $315 | $0 | $315 | 4.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $740 | $0 | $740 | 10.86% |
| THE NICHOLAS GROUP CLEARWATER INC3 | 36181 E LAKE RD #21 PALM HARBOR, FL 34685 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | $0 | $282 | 4.14% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $845K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $845K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $845K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $858K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $7K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.