| 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 | $27K | $11K | $38K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY STREET FLOOR 16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | $4K | $17K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERY STREET FLOOR 16 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109K | — | $109K | 57.68% |
| BERNARD F. SCHICK3 | 7844 LEXINGTON CLUB BOULEVARD APT. B DELRAY BEACH, FL 33446 | AFLAC | $4K | — | $4K | 4.21% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $2K | — | $2K | 2.29% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 40 W FRANKLIN AVENUE #1 PEQUANNOCK, NJ 07440 | AFLAC | $2K | — | $2K | 1.75% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $722 | — | $722 | 0.74% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $680 | — | $680 | 0.70% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $364 | — | $364 | 0.37% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $269 | — | $269 | 0.28% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $213 | — | $213 | 0.22% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $130 | — | $130 | 0.13% |
| APRIL BRUCE3 | 109 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $112 | — | $112 | 0.12% |
| BRENDA S. WARD3 | 1223 NEDERLAND AVENUE NEDERLAND, TX 77627 | AFLAC | $103 | — | $103 | 0.11% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE STREET APT. 303 CONSHOHOCKEN, PA 19428 | AFLAC | $92 | — | $92 | 0.09% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $62 | — | $62 | 0.06% |
| RHONDA YABROW BENEFIT BUILDERS INC3 Filed as: RHONDA J. YABROW | 1090 WALNUT RIDGE UNIT 4144 ELLIJAY, GA 30536 | AFLAC | $62 | — | $62 | 0.06% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK COVE ARLINGTON, TN 38002 | AFLAC | $61 | — | $61 | 0.06% |
| ROBERT SANDERS III3 | 4820 HIGHLAND AVENUE BEAUMONT, TX 77705 | AFLAC | $47 | — | $47 | 0.05% |
| ZORN BENEFITS GROUP LLC3 | 10573 VERSAILLES ROAD WELLINGTON, FL 33449 | AFLAC | $45 | — | $45 | 0.05% |
| RHONDA I LOWERY3 Filed as: RHONDA I. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $39 | — | $39 | 0.04% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 40 WEST FRANKLIN AVENUE #1 PEQUANNOCK, NJ 07440 | AFLAC | $33 | — | $33 | 0.03% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $31 | — | $31 | 0.03% |
| HAMMIE WARD III3 | 9810 FM 1960 BYPASS ROAD W SUITE 137 HUMBLE, TX 77338 | AFLAC | $25 | — | $25 | 0.03% |
| KELLY ANN RESTITUYO3 | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $23 | — | $23 | 0.02% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $22 | — | $22 | 0.02% |
| MAGWOOD WARE & ASSOCIATES3 | 333 MCCOOK CIRCLE NW KENNESAW, GA 30144 | AFLAC | $20 | — | $20 | 0.02% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $17 | — | $17 | 0.02% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $15 | — | $15 | 0.02% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $15 | — | $15 | 0.02% |
| MICHAEL D AISSEN3 Filed as: MICHAEL D. AISSEN | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $12 | — | $12 | 0.01% |
| STEVEN L MOORE3 Filed as: STEVEN L. MOORE | PO BOX 2692 SUITE 200 MUSCLE SHOALS, AL 35662 | AFLAC | $12 | — | $12 | 0.01% |
| AMY K FOY3 Filed as: AMY K. FOY | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $10 | — | $10 | 0.01% |
| CHARLES K LOWERY3 Filed as: CHARLES K. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $9 | — | $9 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $5 | — | $5 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $5 | — | $5 | 0.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $4 | — | $4 | 0.00% |
| GIULIO A PADOVANI3 Filed as: GIULIO A. PADOVANI | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.00% |
| HAMMIE WARD III3 | 9810 FM 1960, BYPASS ROAD W SUITE 137 HUMBLE, TN 77338 | AFLAC | $2 | — | $2 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $2 | — | $2 | 0.00% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 WEST BROMPTON AVENUE APT. 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY NW SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $1 | — | $1 | 0.00% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWN LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383, DEPT. 3383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $571 | $571 | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $6K | $9K | 34.69% |
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 | 2,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 700 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | 185 | $546K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $21K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 1,476 | $310K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,836 | $2.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,864 | $598K |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,836 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,836 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.