| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN LIFE INSURANCE COMPANY | $298K | $48K | $345K | 11.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 9.36% |
| MCCULLUGH, CHRISTINE M3 Filed as: MCCULLUGH CHRISTINE M | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172K | — | $172K | 29.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN STREET, SUITE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $14K | — | $14K | 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 | 5,065 | 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) | 5,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $22K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 8,707 | $553K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 5,070 | $3.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,070 | $1.9M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $22K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 5,400 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,707 | — |
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.