| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $92K | $13K | $105K | 6.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 201 SOUTH MAIN STREET SUITE 2100 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $18K | $8K | $26K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 6.06% |
| FLEXVISION3 | 15400 CALHOUN DRIVE ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 3.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 201 SOUTH MAIN SUITE 2100 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.45% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 22.47% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 19.74% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | — | $198 | 0.18% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATED | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 21.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 21.03% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.06% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $163 | — | $163 | 4.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 201 SOUTH MAIN ST #2100 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $134 | — | $134 | 3.64% |
| FLEXVISION3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $110 | — | $110 | 2.99% |
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 | 2,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 15 | $77K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 15 | $77K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,605 | $241K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,560 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,560 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,560 | $1.6M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 15 | $77K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,943 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,943 | — |
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.