| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE INC CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $956K | $0 | $956K | 5.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $299K | $299K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $139K | $139K | 0.78% |
| DISABILITY MGMT ALT, LLC3 | 9 FARM SPRINGS ROAD 1ST FLOOR FARMINGTON, CT 06032 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $401K | $401K | 3.26% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $246K | $246K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $75K | $75K | 0.61% |
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 | 40,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,062 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 203 | $1.0M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 40,133 | $21.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 36,983 | $12.3M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 203 | $1.0M |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 39,808 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.