| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E P.O. BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $557K | $110 | $557K | 7.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $222K | — | $222K | 13.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $35K | — | $35K | 14.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $4.5M |
| BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.6M |
| UNITED HEALTHCARE EIN 06-0807418 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| METROPOLITAN LIFE EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $425K |
| THE HARTFORD EIN 06-0974148 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $307K |
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 | 19,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,954 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 104 | $504K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,574 | $12.2M |
| Other(2 contracts) | GENWORTH LIFE INSURANCE COMPANY | 1,351 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,574 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.