| 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 | $0 | $205K | $205K | 1.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $407K | $0 | $407K | 20.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $337K | $21K | $358K | 21.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $92K | $15K | $107K | 12.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $7K | $84K | 16.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 9.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $41K | $0 | $41K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 18.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $29K | $0 | $29K | 22.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $754 | $754 | 1.24% |
| M.M.G. AGENCY INC.3 Filed as: M.M.G. AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | $0 | $8K | $8K | 15.00% |
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 | 15,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 39 | $365K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 39 | $275K |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23,581 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,450 | $15.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,450 | $15.7M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 39 | $365K |
| Other(12 contracts, 8 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17,023 | $22.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,581 | — |
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.