| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 13.04% |
| AON CONSULTING INC3 Filed as: AON / ALBERT G RUBEN INSURANCE | 707 WILSHIRE BOULEVARD, SUITE 2600 LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $788 | $5K | 3.83% |
| AON CONSULTING INC3 Filed as: AON / ALBERT G RUBEN INSURANCE | 707 WILSHIRE BOULEVARD, SUITE 2600 LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 17.45% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE. TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.59% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE BENEFIT TECH. | 1200 E. TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.06% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY INC. | P.O. BOX 906 FOSTORIA, OH 44830 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.02% |
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 | 1,161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | 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 | 347 | $391K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,186 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,161 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,161 | $130K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 79 | $318K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,161 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,186 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.