| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 7.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.53% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 7.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.51% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 22.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 2325 E CAMELBACK RD PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 18.13% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.11% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $443 | $186 | $629 | 3.20% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 9.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4566 PAYSPHERE CIRCLE CHICAGO, IL 60675 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $479 | — | $479 | 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 | 1,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 19 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,380 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,120 | $182K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 361 | $115K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,071 | $106K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 19 | $103K |
| Other(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,120 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,380 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.