| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 ARCH STREET SUITE 1100 PHILADELPHIA, PA 191032713 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | — | $90K | 2.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | -$13 | — | -$13 | -0.00% |
| JOHN R. KING3 | 2100 PONCE DE LEON BLVD. SUITE 601 CORAL GABLES, FL 331345820 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1K | — | -$1K | -0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | GUARDIAN | $9K | $3K | $12K | 3.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 9.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 16.00% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $8K | 15.64% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS INC. | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 8.39% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $126 | $1K | 2.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $134 | $562 | 1.16% |
| MICHAEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.26% |
| JOHN ROLAND KING3 | 7867 SW 89TH LANE MIAMI, FL 33156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.12% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.80% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $630 | $411 | $1K | 9.88% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS INC. | 14716 SOURTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | $197 | $709 | 6.73% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER LUISENRIQUE | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $17 | $194 | 1.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $13 | $75 | 0.71% |
| JOHN ROLAND KING3 | 7867 SW 89TH LANE MIAMI, FL 33156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.53% |
| GUY SANMIGUEL3 | 18063 SW 13TH STREET PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $438 | $994 | 26.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | — | $600 | 15.86% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $8 | $79 | 2.09% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS INC. | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $9 | $35 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $5 | $24 | 0.63% |
| JOHN ROLAND KING3 | 7867 SW 89TH LANE MIAMI, FL 33156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $505 | $617 | $1K | 35.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE PAUL REVERE LIFE INSURANCE COMPANY | $475 | — | $475 | 14.88% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $85 | — | $85 | 2.66% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS INC. | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $35 | $72 | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE SUITE 6 FORT LAUDERDALE, FL 33304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $1 | $2 | 0.06% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 514 | $3.8M |
| Dental | GUARDIAN | 170 | $313K |
| Vision | GUARDIAN | 170 | $313K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $146K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $146K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $146K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 514 | $3.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.