| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $63K | $67K | $130K | 2.41% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $74K | — | $74K | 1.38% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1000 RIDGEWAY LOOP RD MEMPHIS, TN 38120 | DELTA DENTAL PLAN OF TENNESSEE | $137K | — | $137K | 5.00% |
| DEBRA REAS3 Filed as: DEBRA L REAS | 400 WEST MARKET ST SUITE 700 LOUISVILLE, KY 40202 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | — | $24K | 1.42% |
| MATTHEW B MORASKI3 | 1600 DIVISION STREET STE 420 NASHVILLE, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 0.97% |
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 | 6,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 263 | $1.7M |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 11,891 | $2.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10,710 | $873K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,356 | $5.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 8,356 | $5.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,356 | $5.4M |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 263 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 8,356 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,891 | — |
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.