| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $65K | $65K | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST CHARLOTTE, NC 28282 | AMERITAS LIFE INSURANCE COMPANY | — | $10K | $10K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 W MAIN ST STE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE COMPANY | — | $1K | $1K | 0.12% |
| CECILIA KOLSTAD3 Filed as: CECILIA KOLSTAD & MULTIPLE AGENTS | PO BOX 848415 SEE ATTACHED SCHEDULE A BREAKDOWN PEMBROKE PINES, FL 33084 | AFLAC | $138K | $5K | $143K | 21.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $32K | — | $32K | 7.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD 1000 TAMPA, FL 33607 | GENWORTH LIFE INSURANCE COMPANY | $16K | — | $16K | 3.70% |
| LON R KOLSTAD3 Filed as: LON KOLSTAD & MULTIPLE AGENTS | PO BOX 848415 SEE ATTACHED FOR BREAKDOWN PEMBROKE, FL 33084 | AFLAC | $56K | $2K | $58K | 14.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $18K | — | $18K | 40.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FL INC | 4211 W BOY SCOUT BLVD 1000 TAMPA, FL 33607 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 16.79% |
| LARRY JAY BLUM3 Filed as: LARRY JAY BLUM & MULTIPLE AGENTS | PO BOX 254 SEE ATTACHED SCHEDULE A FOR BREAKDO TALLMAN, NY 10982 | AFLAC | $142 | — | $142 | 9.55% |
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 | 9,943 | 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) | 9,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 7,877 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,503 | $21.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,503 | $21.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,503 | $21.6M |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,503 | $23.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.