| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $51K | $65K | 2.69% |
| MC CULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 20.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $633 | $633 | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $62 | $62 | 10.05% |
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 | 5,875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 8,999 | $198K |
| Dental | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 15 | $94K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,505 | $631K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,655 | $2.4M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $30K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,655 | $2.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 15 | $94K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,655 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,999 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.