| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 2.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $391 | $5K | 10.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $310 | $6K | 15.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $83 | $4K | 10.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $95 | $1K | 10.77% |
| MICHELLE K KELLY3 | 25 NORTH MAIN STREET, SUITE 2 RED LION, PA 17356 | AFLAC | $490 | $0 | $490 | 4.23% |
| STOOKSBERRY INSURANCE AGENCY LLC3 Filed as: STOOKSBERRY INS AGCY & OTHER AGENTS | 7007 PARK HILL TRAIL SACHSE, TX 75048 | AFLAC | $265 | $0 | $265 | 2.29% |
| JOHN LUEDTKE3 | 1140 WALTER STREET YORK, PA 17408 | AFLAC | $212 | $0 | $212 | 1.83% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DRIVE MIDDLETOWN, PA 17057 | AFLAC | $97 | $0 | $97 | 0.84% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $96 | $0 | $96 | 0.83% |
| JOSE A SCHIENEMAN3 | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $76 | $0 | $76 | 0.66% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $76 | $0 | $76 | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $905 | $50 | $955 | 15.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 3.70% |
| KID INSURANCE BENEFITS INC3 Filed as: KID INS BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 2.70% |
| C ADMAS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.61% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 449 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.36% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.25% |
| LAURIE J BURNS3 Filed as: LAURIE JANE BURNS | 1274 BICYCLE STREET YORK, SC 29745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.18% |
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 | 386 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 14 | $14K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 663 | $266K |
| Vision | VISION SERVICE PLAN | 242 | $51K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 377 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 377 | $35K |
| Prescription drug(2 contracts, 2 carriers) | AFLAC | 14 | $14K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 377 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.