| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | STANDARD INSURANCE COMPANY | $4K | $14K | $18K | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH STREET 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | STANDARD INSURANCE COMPANY | $2K | $4K | $6K | 3.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH STREET 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $773 | $0 | $773 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | SUITE 1400 700 BISHOP STREET HONOLULU, HI 96813 | STANDARD INSURANCE COMPANY | $2K | $4K | $6K | 6.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH STREET 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SEVICES | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.96% |
| FIRST HAWAIIAN INSURANCE INC3 | PO BOX 3200 HONOLULU, HI 96847 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.86% |
| BOBBIE E MA3 Filed as: MA, BOBBIE E | 485 BECKWOURTH DRIVE RENO, NV 89506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $421 | $0 | $421 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | SUITE 1400 700 BISHOP STREET HONOLULU, HI 96813 | STANDARD INSURANCE COMPANY | $175 | $470 | $645 | 3.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH STREET 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $130 | $0 | $130 | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $87 | $0 | $87 | 0.50% |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 919 | $12.2M |
| Dental(3 contracts) | HAWAII DENTAL SERVICE | 1,361 | $767K |
| Vision(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 919 | $12.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 688 | $407K |
| Short-term disability | STANDARD INSURANCE COMPANY | 60 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 671 | $155K |
| Prescription drug(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 919 | $12.2M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,102 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,361 | — |
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.