| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $95 | $95 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $95 | $95 | 0.00% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | UNUM LIFE INSURANCE CO. OF AMERICA | $25K | $1K | $26K | 6.57% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $25K | $5K | $30K | 16.72% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 2.63% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $15K | $3K | $17K | 16.50% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 2.89% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| JAMES L HALL II3 Filed as: JAMES L HALL, II | 1389 CENTER DRIVE, SUITE 200 PARK CITY, UT 84098 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.68% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 7.19% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC, | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $645 | $645 | 2.01% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $502 | $3K | 16.46% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $457 | $457 | 2.60% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMAPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $470 | $2K | 20.21% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $211 | $211 | 2.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $239K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | — | $197K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $177K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $105K |
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 | 15,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 845 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,480 | $29.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 348 | $4.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 7,119 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 21,244 | $4.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 15,392 | $3.8M |
| Long-term disability(10 contracts, 5 carriers) | KAISER FDN HEALTH PLAN OF HAWAII | 15,392 | $17.9M |
| Prescription drug(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 6,774 | $394K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 21,244 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.