| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON E MASCANOSA3 Filed as: RAMON E. MAS CANOSA | PO BOX 9 ALTOONA, FL 32702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $1K | $100K | 4.99% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $277K | $17K | $294K | 21.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $32K | — | $32K | 3.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 201629 DALLAS, TX 75320 | VISION SERVICE PLAN | $16K | — | $16K | 1.73% |
| RAMON E MASCANOSA3 Filed as: RAMON E. MAS CANOSA | PO BOX 9 ALTOONA, FL 32702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $480 | $43K | 5.00% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $36K | $183 | $36K | 11.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 NE 3RD AVE STE 600 FORT LAUDERDALE, FL 33301 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 NE 3RD AVE STE 600 FORT LAUDERDALE, FL 33301 | LEGAL CLUB OF AMERICA CORPORATION | $31K | — | $31K | 26.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 806 TYVOLA RD STE 106 CHARLOTTE, NC 28217 | LEGAL CLUB OF AMERICA CORPORATION | $10K | — | $10K | 8.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB OF AMERICA CORPORATION | $7K | — | $7K | 6.20% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $353 | $6K | 12.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PREFERRED LEGAL | $2K | — | $2K | 12.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | PREFERRED LEGAL | $1K | — | $1K | 6.03% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $67 | $2K | 11.12% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 12.54% |
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 | 14,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,264 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AFLAC | 1,446 | $1.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 912 | $182K |
| Vision | VISION SERVICE PLAN | 6,723 | $954K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,608 | $2.0M |
| Short-term disability(5 contracts) | AFLAC | 1,446 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,334 | $858K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,608 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,608 | — |
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.