| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METLIFE | $0 | $4K | $4K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METLIFE | $0 | $49 | $49 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEATLH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $40K | $40K | 2.28% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN (VSP) | $0 | — | $0 | 0.00% |
| FRENKEL BENEFITS LLC Filed as: FRENKEL & CO INC | 350 HUDSTON ST 4TH FLOOR NEW YORK, NY 10014 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MMG AGENCY INC. Filed as: MMG AGENCY | 1145 FOREST AVE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CIGNA PROVIDES CLAIM ADMN | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $1.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $4K |
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 | 2,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,260 | $303K |
| Dental | METLIFE | 4,098 | $2.1M |
| Vision | VISION SERVICE PLAN (VSP) | 1,945 | $265K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,838 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | METLIFE | 4,098 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,098 | — |
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.