| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $171K | $35K | $206K | 9.26% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $79K | $50K | $129K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $40K | — | $40K | 3.56% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | VISION SERVICE PLAN | $21K | — | $21K | 1.89% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.48% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.34% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77K | — | $77K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.57% |
| MERITAIN HEALTH3 Filed as: ENROLLMENT SOLUTIONS ADMIN ALLSTATE | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99K | — | $99K | 14.62% |
| PACIFIC RES BENEFITS ADVY LLC3 Filed as: PACIFIC RES. BENEFITS ADVY LLC | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96K | — | $96K | 14.16% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | — | $53K | 7.78% |
| MFB FINANCIAL INC3 Filed as: MFB FINL THE BAILEY GROUP | 1200 S PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 7.02% |
| THE BAILEY GROUP3 Filed as: BAILEY MARK F | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.66% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.19% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $734 | $734 | 0.16% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $122 | $122 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | DELTA DENTAL INSURANCE COMPANY | $605 | — | $605 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DR. W SUITE 700 TAMPA, FL 336075879 | NATIONWIDE | $23K | $7K | $30K | 8.89% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $14K | $16K | $30K | 8.76% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | NATIONWIDE | $8K | $3K | $11K | 3.08% |
| THE BAILEY GROUP3 Filed as: BAILEY MARK F | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 12.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| MFB FINANCIAL INC3 Filed as: MFB FINL INC DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 1.49% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | ARAG INSURANCE COMPANY | $13K | — | $13K | 6.45% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | ARAG INSURANCE COMPANY | $7K | — | $7K | 3.55% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | ENVISION INSURANCE COMPANY | $698 | — | $698 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DR. W SUITE 700 TAMPA, FL 336075879 | ENVISION INSURANCE COMPANY | $499 | — | $499 | 3.58% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | ENVISION INSURANCE COMPANY | $199 | — | $199 | 1.43% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 6.00% |
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 | 11,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,995 | $1.0M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,533 | $658K |
| Vision | VISION SERVICE PLAN | 6,741 | $1.1M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,534 | $2.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 20,328 | $451K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,660 | $1.1M |
| Prescription drug | ENVISION INSURANCE COMPANY | 325 | $14K |
| Other(6 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,534 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,328 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.