| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $25K | $0 | $25K | 1.50% |
| JIM FRENCH3 | 220 SOUTH KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $25K | $0 | $25K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 3.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 700 BISHOP STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | $0 | $3K | 2.50% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO R. INCIONG JR | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $12K | $36 | $12K | 16.90% |
| LISA ANN CHING3 | 1009 KAPIOLANI BOULEVARD APARTMENT 3901 HONOLULU, HI 96814 | AFLAC | $5K | $127 | $5K | 6.76% |
| TYLER K PANG3 Filed as: TYLER K. PANG | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $2K | $25 | $2K | 3.40% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SERVICE | 1164 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | AFLAC | $2K | $254 | $2K | 2.59% |
| STEPHEN H ARANIO3 Filed as: STEPHEN H. ARANIO AND OTHER AGENT | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $1K | $0 | $1K | 1.50% |
| PIOPAC FIDELITY3 | 1164 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | AFLAC | $293 | $0 | $293 | 0.40% |
| ANDREW K PURDY3 Filed as: ANDREW K. PURDY | 91-1329 KINOIKI STREET KAPOLEI, HI 96707 | AFLAC | $264 | $3 | $267 | 0.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 5.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $771 | $771 | 1.50% |
| NAKAI CONSULTING4 | 91-3525 KAULUAKOKO STREET UNIT 2503 EWA BEACH, HI 96706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 6.37% |
| KELLEY J RHEAULT4 Filed as: KELLEY J. RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 6.10% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 321 | $1.8M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 346 | $209K |
| Vision(3 contracts, 3 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 321 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 210 | $125K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 210 | $125K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 321 | $1.8M |
| Other(4 contracts, 4 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 321 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.