| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $27K | $27K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $59K | $0 | $59K | 6.46% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | HARTFORD LIFE AND ACCIDENT | $32K | $0 | $32K | 3.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 1.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $15K | $188 | $15K | 6.44% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 3.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE S SALUD, INC. | $11K | $0 | $11K | 5.00% |
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 | 10,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,995 | $2.7M |
| Dental(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,551 | $2.1M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 583 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,293 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 9,293 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,293 | $1.8M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 583 | $1.8M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,293 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.