| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | $0 | $112 | $112 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE CO. | — | $112 | $112 | 0.00% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | UNUM LIFE INSURANCE CO. OF AMERICA | $96K | $5K | $101K | 15.75% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $21K | $426 | $22K | 12.58% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 2.04% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST, SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $13K | $221 | $13K | 13.29% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $230 | $6K | 17.30% |
| NATIONAL BENEFITS PARTNER LLC3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| JAMES L HALL II3 Filed as: JAMES L HALL, II | 1389 CENTER DRIVE, SUITE 200 PARK CITY, UT 84098 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 0.67% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $96 | $3K | 12.56% |
| 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 | $518 | $518 | 2.03% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $39 | $2K | 12.28% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $279 | $279 | 2.10% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST., SUITE A TAMAPA, FL 33607 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $58 | $1K | 13.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $180 | $180 | 2.05% |
| TODD M MEZRAH | 5690 W CYPRESS ST SUITE A TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $455 | $78 | $533 | 16.57% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $86 | $86 | 2.67% |
| TODD M MEZRAH3 | 5690 W CYPRESS ST SUITE A TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURAN | $42 | $7 | $49 | 15.56% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURAN | $0 | $11 | $11 | 3.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.2M |
| TELUS HEALTH LTD EIN 52-1883918 NONE | Employee (plan) Service code 30 | — | $272K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $257K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | — | $202K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $74K |
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 | 15,799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 864 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,931 | $53.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 355 | $5.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 7,258 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 21,316 | $4.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 15,759 | $4.8M |
| Long-term disability(11 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE CO. | 15,759 | $5.9M |
| Prescription drug | EXPRESS SCRIPTS, INC | 6,910 | $0 |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE CO. | 21,316 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,316 | — |
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.
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.