| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $393K | — | $393K | 2.16% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS, LLC | 5445 LEGACY DRIVE SUITE 250 PLANO, TX 75024 | AETNA LIFE INSURANCE COMPANY | $144K | — | $144K | 0.79% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, EBD LLC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $181K | — | $181K | 5.89% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 2.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $101K | — | $101K | 3.34% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS. LLC | 5445 LEGACY DRIVE SUITE 250 PLANO, TX 75024 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | — | $78K | 5.87% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 2.17% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, EBD LLC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $64K | — | $64K | 7.83% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INS. SERVICES LLC | 5445 LEGACY DRIVE SUITE 250 PLANO, TX 75024 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 1.63% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, EBD LLC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 1.99% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $45K | — | $45K | 10.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS SVS, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | — | $21K | 5.27% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.76% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, EBD LLC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.12% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, EBD LLC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.79% |
| LANAHAN INSURANCE INC3 Filed as: LANAHAN INSURANCE INC. | 2155 RIVER ROAD JACKSONVILLE, FL 322073907 | METROPOLITAN LIFE INSURANCE COMPANY | $341 | — | $341 | 1.47% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | METROPOLITAN LIFE INSURANCE COMPANY | $149 | — | $149 | 0.64% |
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 | 11,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 324 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 4,401 | $22.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 7,301 | $3.5M |
| Vision(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,955 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,548 | $3.5M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,446 | $1.0M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,852 | $803K |
| Prescription drug | TRANSAMERICA LIFE INSURANCE COMPANY | 171 | $407K |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,548 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,852 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.