| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | $7K | $73K | 12.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 7.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 4.57% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 13.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 800 CAPITAL CIRLCE SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $977 | — | $977 | 2.03% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.47% |
| SELDEN BEATTIE, INC.3 Filed as: SELDEN BEATTIE | 3150 SW 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $99 | — | $99 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.70% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | PREFERRED LEGAL | $1K | — | $1K | 14.00% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 69 | $47K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $592K |
| Vision | HUMANA INSURANCE COMPANY | 204 | $29K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $640K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $592K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $592K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.