| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $523K | $295K | $818K | 3.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | -$24 | -$24 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130K | — | $130K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $3.1M | — | $3.1M | 66.16% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $114K | $114K | 2.39% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR 9016 SILVER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 0.78% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $93K | $16K | $109K | 14.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $74K | $10K | $83K | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS | — | $719 | $719 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, IL 60069 | METLIFE LEGAL PLANS | — | $197 | $197 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $3K | — | $3K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33 | — | $33 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $29 | — | $29 | 0.76% |
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 | 17,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,349 | $38.9M |
| Dental(6 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,349 | $29.6M |
| Vision(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 13,853 | $10.8M |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 24,763 | $22.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,215 | $756K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 24,763 | $21.9M |
| Prescription drug(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 935 | $14.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA INC | 24,499 | $3.0M |
| Other(12 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41,425 | $31.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,425 | — |
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.