| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HAWAII MEDICAL SERVICE ASSOCIATION | — | $20K | $20K | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $12K | — | $12K | 3.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.18% |
| DAVID A. MOLENAAR3 Filed as: DAVID A MOLENAAR | 1188 BISHOP ST STE 1708 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $3K | $723 | $4K | 18.37% |
| JAMESON PAUL DELGADILLO3 | MAUKA TOWER 737 BISHOP ST, SUITE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $287 | $103 | $390 | 1.99% |
| TOM STEWART IN SOL INC3 | ONE AMERICAN PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $287 | $34 | $321 | 1.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $39 | — | $39 | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET STE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $711 | — | $711 | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $439 | — | $439 | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $293 | — | $293 | 8.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $69 | — | $69 | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $528 | — | $528 | 44.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $57 | — | $57 | 10.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $11 | — | $11 | 14.86% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 112 | $1.2M |
| Dental | HAWAII DENTAL SERVICE | 228 | $88K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 112 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 163 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 135 | $20K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 112 | $1.2M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 163 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
No prospect flags tripped on this filing.