| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | NATIONWIDE | $201K | — | $201K | 4.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $110K | — | $110K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | AMERITAS | $99K | — | $99K | 4.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | AMERITAS | $59K | — | $59K | 2.60% |
| P.S.H. INSURANCE, INC.3 Filed as: P.S.H INSURANCE, INC. | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $15K | — | $15K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET SUITE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 3.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.06% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 4.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 3.26% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET SUITE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $888 | $888 | 1.41% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 E GOLF ROAD STE 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $274 | $274 | 0.43% |
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 | 8,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | NATIONWIDE | 7,437 | $9.4M |
| Dental(2 contracts, 2 carriers) | AMERITAS | 8,109 | $2.8M |
| Vision(3 contracts, 3 carriers) | AMERITAS | 8,109 | $3.1M |
| Life insurance(3 contracts, 2 carriers) | NATIONWIDE | 7,437 | $4.7M |
| Short-term disability(3 contracts, 2 carriers) | NATIONWIDE | 7,437 | $4.7M |
| Long-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 487 | $199K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 104 | $509K |
| Other(4 contracts, 3 carriers) | NATIONWIDE | 7,437 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,109 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.