| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $294K | $14K | $308K | 8.72% |
| EMPLOYER OPTIONS LLC3 Filed as: EMPLOYER OPTIONS, LLC | PO BOX 208 AMBRIDGE, PA 15003 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $17K | — | $17K | 9.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $2K | — | $2K | 0.98% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $3K | $301 | $3K | 16.50% |
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 | 11,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 128 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 95 | $700K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $250K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 15,285 | $844K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,674 | $3.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,674 | $3.5M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,674 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,285 | — |
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.