| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $265K | — | $265K | 4.79% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | HYATT LEGAL PLANS | $8K | $97 | $8K | 10.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | — | $54 | 0.91% |
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 | 10,977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 405 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 177 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 10,977 | $6.0M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 10,977 | $5.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 10,977 | $5.5M |
| Prescription drug(2 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 177 | $1.3M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 13,052 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,052 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.