| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $96K | $0 | $96K | 11.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 10.97% |
| CARLA LOOPER3 | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.57% |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | $0 | $260 | 0.15% |
| RICHARD P MACKIEWICZ3 | 4809 EHRLICH ROAD, #104 TAMPA, FL 33624 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | $0 | $248 | 0.14% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$124 | $0 | -$124 | -0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$220 | $0 | -$220 | -0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.76% |
| LOOPER INS AGENCY LLC3 | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $434 | $434 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $899 | $0 | $899 | 7.70% |
| LINDA LEBLANC3 | 1325 CEDAR CREEK ROAD GREENVILLE, TN 37743 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $243 | $0 | $243 | 2.08% |
| CARLA LOOPER3 Filed as: CARLA L LOOPER | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | $0 | $190 | 1.63% |
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 | 945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 481 | $174K |
| Vision | VISION SERVICE PLAN | 868 | $113K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,903 | $861K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,903 | $861K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,903 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,903 | — |
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.