| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | $0 | $40K | $40K | 0.91% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | $0 | $30K | $30K | 0.80% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $112K | $0 | $112K | 7.71% |
| JAMES L HALL II3 Filed as: JAMES L HALL, II | 1389 CENTER DRIVE, SUITE 200 PARK CITY, UT 84098 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 1.38% |
| 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 | $158 | $20K | 12.43% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 2.32% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $7K | $73 | $7K | 11.71% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 2.23% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 11.40% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC, | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $702 | $702 | 1.99% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $16 | $2K | 11.89% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $434 | $434 | 2.27% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMAPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $444 | $449 | $893 | 22.33% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $81 | $81 | 2.03% |
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 | 13,969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 999 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,920 | $48.8M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 313 | $4.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 7,414 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 21,739 | $4.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 12,002 | $3.7M |
| Long-term disability(8 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE CO. | 12,002 | $4.8M |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 726 | $126K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE CO. | 21,739 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,739 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.