| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $73 | $14K | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $11K | 0.71% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $106K | $0 | $106K | 8.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 2.56% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 2.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $4K | 0.98% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $21K | $0 | $21K | 7.63% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | $4K | $63K | 24.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28K | $4K | $33K | 12.69% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | UNKNOWN DALLAS, TX 75220 | TRIPLE S SALUD, INC. | $2K | $0 | $2K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRIPLE S SALUD, INC. | $162 | $0 | $162 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | $3K | $73 | $3K | 6.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 0 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 4.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LCC | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS, INC. | $0 | $439 | $439 | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $0 | $178 | $178 | 0.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $177 | $177 | 0.33% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | $0 | $73 | $73 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $2K | $416 | $3K | 8.99% |
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 | 4,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,223 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,940 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | 3,686 | $279K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,281 | $453K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,281 | $453K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 139 | $718K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,281 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,940 | — |
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.