| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | HAWAII MEDICAL SERVICE ASSOCIATION | $27K | — | $27K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - | CHICAGO 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $55K | $13 | $55K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $5K | $68K | 21.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $3K | $39K | 21.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - | CHICAGO 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $504 | $1 | $505 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 RCANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $348 | $5K | 21.48% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 340 | $5.4M |
| Vision(4 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 340 | $4.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $338K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $183K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 975 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.