| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN, LLC | PO BOX 310502 DES MOINES, IA 503310502 | HARTFORD LIFE AND ACCIDENT | $184K | — | $184K | 27.28% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $146K | — | $146K | 21.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $87K | — | $87K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE S SALUD, INC. | $10K | — | $10K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H & B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $10K | — | $10K | 5.74% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | P.O. BOX 860470 MINNEAPOLIS, MN 55486 | METLIFE LEGAL PLANS | $5K | — | $5K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $42 | $42 | 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 | 9,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,214 | $2.9M |
| Dental(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,992 | $2.6M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 847 | $2.0M |
| Life insurance | AETNA LIFE INSURANCE CO. | 9,547 | $1.3M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 9,547 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 9,547 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 847 | $2.2M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 9,547 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,547 | — |
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.