| 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 | $116K | — | $116K | 5.40% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $176K | $14K | $190K | 15.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $53K | — | $53K | 5.03% |
| RAMON E MASCANOSA3 Filed as: RAMON E. MAS CANOSA | PO BOX 9 ALTOONA, FL 32702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 5.41% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $27K | $321 | $27K | 11.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB OF AMERICA CORPORATION | $35K | — | $35K | 25.81% |
| 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 | $11K | — | $11K | 7.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 806 TYVOLA RD STE 106 CHARLOTTE, NC 28217 | LEGAL CLUB OF AMERICA CORPORATION | $6K | — | $6K | 4.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PREFERRED LEGAL | $5K | — | $5K | 20.07% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 10.24% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 10.48% |
| 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 | 16,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,534 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AFLAC | 1,192 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 952 | $213K |
| Vision | VISION SERVICE PLAN | 7,482 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,534 | $2.2M |
| Short-term disability(5 contracts) | AFLAC | 1,192 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,595 | $899K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,534 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,534 | — |
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.