| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | — | $74K | 5.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 0.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.86% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AMERICA | 4450 RIVER GREEN PKWY, STE 100-A DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 19.55% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.78% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $13 | $76 | 0.05% |
| CFN AGENCY INC3 | 4450 RIVER GREEN PKWY, STE 100-A DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $431 | $431 | 0.81% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AMERICA | 4450 RIVER GREEN PKWY, STE 100-A DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $950 | — | $950 | 3.51% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $70 | $70 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | — | $52 | — |
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 | 4,832 | 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) | 4,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 436 | $3.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $14K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,184 | $379K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,261 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,499 | $795K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 336 | $3.7M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,000 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,184 | — |
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.