| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95K | $32K | $127K | 5.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $9K | $37K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 14.40% |
| BERNARD F. SCHICK3 | 7844 LEXINGTON CLUB BOULEVARD APT. B DELRAY BEACH, FL 33446 | AFLAC | $3K | $99 | $3K | 4.17% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $2K | $232 | $2K | 3.24% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD #1 WELLINGTON, FL 33449 | AFLAC | $1K | — | $1K | 1.56% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $477 | — | $477 | 0.68% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $419 | — | $419 | 0.60% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $230 | — | $230 | 0.33% |
| JACOB TANNER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $207 | — | $207 | 0.30% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $165 | $36 | $201 | 0.29% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $170 | — | $170 | 0.24% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NC 08854 | AFLAC | $134 | — | $134 | 0.19% |
| APRIL BRUCE3 | 109 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $100 | — | $100 | 0.14% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE STREET APT 303 CONSHOHOCKEN, PA 19428 | AFLAC | $73 | — | $73 | 0.10% |
| BRENDA S. WARD3 | 1223 NEDERLAND AVENUE NEDERLAND, TX 77627 | AFLAC | $66 | — | $66 | 0.09% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $49 | — | $49 | 0.07% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $29 | — | $29 | 0.04% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK COVE ARLINGTON, TN 38002 | AFLAC | $20 | — | $20 | 0.03% |
| KELLY ANN RESTITUYO3 | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $19 | — | $19 | 0.03% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $13 | — | $13 | 0.02% |
| HAMMIE WARD III3 | 8907 SILVER YACHT DRIVE HUMBLE, TX 77346 | AFLAC | $12 | — | $12 | 0.02% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $6 | — | $6 | 0.01% |
| RHONDA I LOWERY3 Filed as: RHONDA I. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $4 | — | $4 | 0.01% |
| GUILIO A. PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | — | $1 | 0.00% |
| MAGWOOD WARE & ASSOCIATES3 | 7864 NESTOR GREEK LANE NORTH LAS VEGAS, NV 89084 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS HARTIN3 Filed as: DENNIS HARTEN | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| RHONDA S PAPE3 Filed as: RHONDA LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES K LOWERY3 Filed as: CHARLES K. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $1 | — | $1 | 0.00% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 17460 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL D AISSEN3 Filed as: MICHAEL D. AISSEN | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $1 | — | $1 | 0.00% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE SUITE 500, PO BOX 358 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383, DEPT. 3383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $817 | $817 | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $7K | $13K | 65.75% |
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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 664 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | 177 | $534K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $20K |
| Vision | VISION SERVICE PLAN | 1,201 | $246K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,096 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,357 | $689K |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,624 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,096 | — |
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.