| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | PO BOX 1442 MOUNTAINSIDE, NC 07092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $25K | $35K | 2.82% |
| GREENLEAF BENEFIT ADVISORS LLC3 | PO BOX 1442 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41K | $41K | 21.97% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 4.41% |
| GREENLEAF BENEFIT ADVISORS LLC3 | PO BOX 1442 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 14.05% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.72% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | PO BOX 1442 MOUNTAINSIDE, NJ 07092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 9.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $16K | — | $16K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $585 | — | $585 | 7.48% |
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 | 10,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 16 | $120K |
| Dental | AETNA LIFE INSURANCE CO. | 787 | $190K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $195K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $288K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $195K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,185 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.