| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 14.53% |
| THE STELLAR COMPANIES, INC.3 | 2900 HARTLEY ROAD JACKSONVILLE, FL 32257 | STANDARD INSURANCE COMPANY | $0 | $19K | $19K | 9.21% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 2.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 15.67% |
| THE STELLAR COMPANIES, INC.3 | 2900 HARTLEY ROAD JACKSONVILLE, FL 32257 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 8.28% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 3.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 15.75% |
| THE STELLAR COMPANIES, INC.3 | 2900 HARTLEY ROAD JACKSONVILLE, FL 32257 | STANDARD INSURANCE COMPANY | $0 | $19K | $19K | 9.68% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 3.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $51K | $0 | $51K | 54.56% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 NORTH ROCKY POINT DRIVE WEST SUITE 700 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 6.20% |
| REBECCA J SMITH INC4 Filed as: REBECCA J SMITH, INC. | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADVISOR | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $536 | $0 | $536 | 2.60% |
| LIVING LEGACY BENEFITS GROUP LLC4 Filed as: LIVING LEGACY BENEFITS GROUP, LLC | 5807 HAMPTON CREEK ROAD JACKSONVILLE, FL 32218 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | $0 | $67 | 0.32% |
| KATHLEEN DEANNE NORTON LLC4 Filed as: KATHLEEN DEANNE NORTON, LLC | 6050 GREEN POND DRIVE JACKSONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | $0 | $44 | 0.21% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 411 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 671 | $192K |
| Short-term disability | STANDARD INSURANCE COMPANY | 671 | $192K |
| Long-term disability | STANDARD INSURANCE COMPANY | 671 | $208K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 671 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.