| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA INSURANCE COMPANY | $114K | $40K | $154K | 3.86% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | UNITED CONCORDIA INSURANCE COMPANY | $86K | — | $86K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1801 WEST END AVENUE NASHVILLE, TN 37203 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $34K | — | $34K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 1.62% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SERICE INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.08% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BDDG C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $76K | — | $76K | 8.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 1.62% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BUILDING C2 NABASQYAB, NJ 08736 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 1.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $959 | — | $959 | 1.50% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $640 | — | $640 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 99202 | AETNA LIFE INSURANCE CO. | $706 | — | $706 | 1.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $418 | — | $418 | 1.52% |
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 | 12,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 291 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 18,058 | $4.0M |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 14,588 | $1.2M |
| Life insurance(4 contracts) | AETNA LIFE INSURANCE CO. | 6,378 | $1.5M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,818 | $1.8M |
| Long-term disability(6 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,924 | $2.2M |
| Other(8 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 12,360 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,058 | — |
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."
No prospect flags tripped on this filing.