| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 606740000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $31K | $36K | 4.99% |
| MY BENEFIT PARTNERS3 Filed as: MY BENEFIT PARTNERS, LLC | 3802 EHRLICH ROAD, SUITE 308 TAMPA, FL 336240000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $910 | $6K | $7K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 7.70% |
| MY BENEFIT PARTNERS3 | 2203 N LOIS AVENUE, SUITE 944 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 8412 JALARANDA AVENUE LARGO, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $744 | $2K | 9.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $795 | — | $795 | 3.24% |
| TERI L MORROW3 | 6621 THOROUGHBRED LOOP ODESSA, FL 33556 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $634 | — | $634 | 2.59% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR, SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ADVANTICA REINSURANCE COMPANY | $617 | — | $617 | 10.00% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $724K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $724K |
| Vision | ADVANTICA REINSURANCE COMPANY | 100 | $6K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $25K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 46 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 46 | $82K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.