| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | HAWAII MEDICAL SERVICE ASSOCIATION | $21K | — | $21K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - | CHICAGO 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $37K | — | $37K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $10K | $47K | 25.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $6K | $28K | 25.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - | CHICAGO 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $100 | — | $100 | 0.75% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 312 | $4.0M |
| Vision(2 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 312 | $2.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $183K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $111K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.