| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $0 | $150K | $150K | 1.68% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 4.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438K | $0 | $438K | 65.53% |
| CFA LLC3 | 3928 PENDER DRIVE, SUITE 100 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.28% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1301 5TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.76% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 9.89% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | TRANSAMERICA LIFE INSURANCE COMPANY | $207K | $0 | $207K | 94.16% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ARAG INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| BENEFITSTORE INC5 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ARAG INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.91% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 53-0078070 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.8M |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $282K |
| GSA OPERATING RECORDKEEPING FEES EIN 36-4829385 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $174K |
| VISION SERVICE PLAN EIN 23-7089668 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| PREMERA BCBS OF ALASKA EIN 91-0499247 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052273 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 8,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | GHMSI | 8,653 | $6.7M |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $673K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 129 | $208K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,833 | $9.2M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,833 | $9.0M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,833 | $9.0M |
| Prescription drug(4 contracts, 4 carriers) | GHMSI | 8,653 | $6.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,764 | $305K |
| Other(11 contracts, 8 carriers) | AETNA LIFE INSURANCE COMPANY | 8,833 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,833 | — |
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.