| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFINCA LLC3 | PO BOX 9 ALTOONA, FL 32702 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $236K | $200K | $436K | 9.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $35K | $0 | $35K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $25K | $0 | $25K | 2.06% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226K | $0 | $226K | 26.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99K | $0 | $99K | 11.61% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50 TERRACE, SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | $0 | $41K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 2.77% |
| ANA MARIA LEON3 Filed as: ANA M. LEON | 7400 SW 50 TERRACE, SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $923 | $0 | $923 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $5K | $0 | $5K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | DELTA DENTAL INSURANCE COMPANY | $5K | $0 | $5K | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB | $55K | $0 | $55K | 32.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LEGAL CLUB | $7K | $0 | $7K | 4.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $3K | $0 | $3K | 2.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES NATIONAL, INC. | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB | $2K | $0 | $2K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL | $5K | $0 | $5K | 18.53% |
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 | 15,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,301 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,241 | $221K |
| Vision | VISION SERVICE PLAN | 8,141 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,176 | $4.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,176 | $4.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,176 | $4.7M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,278 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,278 | — |
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.