| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $113 | $113 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $113 | $113 | 0.00% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | UNUM LIFE INSURANCE CO. OF AMERICA | $61K | $3K | $64K | 15.75% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $20K | $967 | $21K | 12.91% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 2.22% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $11K | $311 | $11K | 13.65% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.16% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $75 | $3K | 12.06% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC, | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $411 | $411 | 1.61% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 11.89% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $201 | $201 | 2.11% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMAPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $835 | $7 | $842 | 11.77% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $164 | $164 | 2.29% |
| TODD M MEZRAH | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $277 | — | $277 | 8.48% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $65 | $65 | 1.99% |
| TODD M MEZRAH | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25 | — | $25 | 8.36% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $6 | $6 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.1M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing Service code 12 | — | $983K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $265K |
| TELUS HEALTH LTD EIN 52-1883918 NONE | Employee (plan) Service code 30 | — | $255K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | — | $208K |
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 | 15,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,497 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,894 | $51.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 378 | $5.9M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 7,228 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 20,932 | $4.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 15,970 | $5.9M |
| Long-term disability(10 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE CO. | 15,970 | $6.7M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 26 | $247K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE CO. | 20,932 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,932 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.