| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $218K | $52K | $270K | 12.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | — | $108K | 8.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN ST, STE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 0.51% |
| MCCULLUGH, CHRISTINE M3 Filed as: MCCULLUGH CHRISTINE M | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 20.00% |
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 | 3,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 7 | $49K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1 | $447 |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 3,217 | $493K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,009 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,991 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 7 | $49K |
| Other(4 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,161 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,161 | — |
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.