| 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 | $92K | $36K | $128K | 5.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $10K | $35K | 5.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 18.64% |
| BERNARD F. SCHICK3 | 7844 LEXINGTON CLUB BOULEVARD APT. B DELRAY BEACH, FL 33446 | AFLAC | $4K | — | $4K | 4.59% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $3K | — | $3K | 3.94% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD #1 WELLINGTON, FL 33449 | AFLAC | $1K | — | $1K | 1.68% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $609 | — | $609 | 0.69% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $568 | — | $568 | 0.65% |
| JACOB TANNER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $370 | — | $370 | 0.42% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $323 | — | $323 | 0.37% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $299 | — | $299 | 0.34% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $225 | — | $225 | 0.26% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NC 08854 | AFLAC | $187 | — | $187 | 0.21% |
| APRIL BRUCE3 | 109 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $125 | — | $125 | 0.14% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $109 | — | $109 | 0.12% |
| BRENDA S. WARD3 | 1223 NEDERLAND AVENUE NEDERLAND, TX 77627 | AFLAC | $92 | — | $92 | 0.10% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE STREET APT. 303 CONSHOHOCKEN, PA 19428 | AFLAC | $87 | — | $87 | 0.10% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK COVE ARLINGTON, TN 38002 | AFLAC | $61 | — | $61 | 0.07% |
| RHONDA YABROW BENEFIT BUILDERS INC3 Filed as: RHONDA J. YABROW | 1090 WALNUT RIDGE UNIT 4144 ELLIJAY, GA 30536 | AFLAC | $38 | — | $38 | 0.04% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $34 | — | $34 | 0.04% |
| ROBERT SANDERS III3 | 4820 HIGHLAND AVENUE BEAUMONT, TX 77705 | AFLAC | $28 | — | $28 | 0.03% |
| RHONDA I LOWERY3 Filed as: RHONDA I. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $26 | — | $26 | 0.03% |
| KELLY ANN RESTITUYO3 | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $23 | — | $23 | 0.03% |
| HAMMIE WARD III3 | 8907 SILVER YACHT DRIVE HUMBLE, TX 77346 | AFLAC | $22 | — | $22 | 0.03% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $15 | — | $15 | 0.02% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $14 | — | $14 | 0.02% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $14 | — | $14 | 0.02% |
| MAGWOOD WARE & ASSOCIATES3 | 341 SAND BAY DRIVE SW ATLANTA, GA 30331 | AFLAC | $12 | — | $12 | 0.01% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $12 | — | $12 | 0.01% |
| AMY K FOY3 Filed as: AMY K. FOY | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $9 | — | $9 | 0.01% |
| CHARLES K LOWERY3 Filed as: CHARLES K. LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $4 | — | $4 | 0.00% |
| GIULIO A PADOVANI3 Filed as: GIULIO A. PADOVANI | 9 QUAIL COURT BASKING RIDGE, NC 07920 | AFLAC | $3 | — | $3 | 0.00% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $3 | — | $3 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | 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 TOWNE 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 | — | $591 | $591 | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $6K | $14K | 43.33% |
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 | 1,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 667 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | 180 | $570K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $45K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,349 | $301K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,836 | $2.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,546 | $629K |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,836 | $344K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.