| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 0.35% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 8.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $11 | $715 | 1.28% |
| RAYMOND B LINGLE3 | 5241 DRESDEN LANE ROANOKE, VA 24012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $5 | $568 | 1.01% |
| CHARLES A DUVALL III3 | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $525 | $0 | $525 | 0.94% |
| MJ INSURANCE3 Filed as: JOHN E CUMMINGS & VARIOUS AGENTS | 1239 OCEAN SHORE BOULEVARD, APT 5A ORMOND BEACH, FL 32176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $431 | $0 | $431 | 0.77% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $282 | $52 | $334 | 0.60% |
| LINDA B ALLEN3 | 968 REDBUD LANE MONETA, VA 24121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $268 | $0 | $268 | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ACE AMERICAN INSURANCE COMPANY | $1K | $95 | $1K | 16.20% |
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 | 2,660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 5,567 | $271K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,483 | $4.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,483 | $4.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,483 | $4.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,483 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,567 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.