| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $55 | $55 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $55 | $55 | 0.00% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | UNUM LIFE INSURANCE CO. OF AMERICA | $57K | — | $57K | 15.75% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $29K | $15K | $44K | 23.04% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 2.51% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $18K | $14K | $32K | 29.93% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 2.81% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| JAMES L HALL II3 Filed as: JAMES L HALL, II | 1389 CENTER DRIVE, SUITE 200 PARK CITY, UT 84098 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 1.08% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 15.11% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC, | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $799 | $799 | 2.19% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 22.41% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $533 | $533 | 2.61% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMAPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 29.97% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $239 | $239 | 2.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.1M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $227K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | — | $193K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $168K |
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 | 14,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 728 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,468 | $30.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 319 | $4.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 6,625 | $4.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 19,955 | $3.6M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 13,767 | $3.4M |
| Long-term disability(11 contracts, 7 carriers) | KAISER FDN HEALTH PLAN OF HAWAII | 13,767 | $16.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE CO. | 19,955 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,955 | — |
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.
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.