| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $180K | $180K | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $200K | — | $200K | 19.26% |
| INCOME & BENEFIT SOLUTIONS LLC3 | 4 MILK ST PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 0.81% |
| MITCHELL, ANNE, GOODMAN3 | 165 LOWER FLYING POINT ROAD FREEPORT, ME 04032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| PEOPLE'S UNITED INSURANCE AGCY, INC3 | 850 MAIN STREET BRIDGEPORT, CT 06604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP | 170 US ROUTE 1, STE 150 FALMOUTH, ME 04105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N ROCKY POINT DR WEST, STE 700 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 9.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $2K | $26K | 23.86% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 17.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $271 | $271 | 1.25% |
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 | 12,915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $265K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $201K |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 19,069 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,487 | $14.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,487 | $14.4M |
| Prescription drug | NETCARE LIFE & HEALTH INSURANCE | 12 | $63K |
| Other(10 contracts, 8 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,204 | $17.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,069 | — |
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."
No prospect flags tripped on this filing.