| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $183K | — | $183K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $13K | $0 | $13K | 0.91% |
| MJ INSURANCE3 Filed as: TYLER PANG AND VARIOUS AGENTS | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $43K | $1K | $44K | 8.09% |
| STEPHEN CHEN FUNG3 Filed as: STEPHEN FUNG | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $12K | $581 | $12K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $11K | $0 | $11K | 2.01% |
| EMPLOYEE BENEFIT CONSULTING LLC3 Filed as: EMPLOYEE BENEFIT CONSULTING, LLC | 500 ALA MOANA BOULEVARD TOWER TWO, SUITE 303 HONOLULU, HI 96813 | AFLAC | $7K | $0 | $7K | 1.24% |
| NICOLE MAEDA3 | PO BOX 481 KAHULUI, HI 96733 | AFLAC | $6K | $128 | $6K | 1.17% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO INCIONG JR | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $5K | $148 | $6K | 1.03% |
| STEPHEN H ARANIO3 | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $5K | $0 | $5K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, FL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $100 | $20K | 8.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, FL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, FL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 11.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.09% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO INCIONG JR | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $5K | $0 | $5K | 7.16% |
| MJ INSURANCE3 Filed as: KAKINA CONSULTANTS & VARIOUS AGENTS | 68 KUMULAAU OHIA LOOP WAILUKU, HI 96793 | AFLAC | $4K | $197 | $4K | 6.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $3K | $0 | $3K | 5.44% |
| STEPHEN CHEN FUNG3 Filed as: STEPHEN FUNG | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $2K | $124 | $3K | 4.10% |
| TYLER K PANG3 Filed as: TYLER PANG | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $2K | $26 | $2K | 2.70% |
| LISA ANN CHING3 | 1009 KAPIOLANI BOULEVARD APARTMENT 3901 HONOLULU, HI 96814 | AFLAC | $2K | $0 | $2K | 2.41% |
| NICOLE MAEDA3 | PO BOX 481 KAHULUI, HI 96733 | AFLAC | $884 | $99 | $983 | 1.54% |
| MJ INSURANCE3 Filed as: MICHAEL JONES & VARIOUS AGENTS | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $3K | $54 | $3K | 8.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $863 | $0 | $863 | 2.76% |
| STEPHEN CHEN FUNG3 Filed as: STEPHEN FUNG | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $696 | $27 | $723 | 2.32% |
| NICOLE MAEDA3 | PO BOX 481 KAHULUI, HI 96733 | AFLAC | $457 | $0 | $457 | 1.46% |
| KERI-ANNE PILAGO3 | GENERAL DELIVERY MOUNTAIN VIEW, HI 96771 | AFLAC | $415 | $0 | $415 | 1.33% |
| JOAO OPPENHEIM3 | 47-012 HUI IWA PLACE, APARTMENT A KANEOHE, HI 96744 | AFLAC | $356 | $35 | $391 | 1.25% |
| JULIE C GUSHIKEN3 Filed as: JULIE GUSHIKEN | 1138 MANONO STREET HILO, HI 96720 | AFLAC | $314 | $0 | $314 | 1.01% |
| MJ INSURANCE3 Filed as: JULIE GUSHIKEN & VARIOUS AGENTS | 1138 MANONO STREET HILO, HI 96720 | AFLAC | $122 | $12 | $134 | 4.19% |
| LOGAN SANDOVAL3 | PO BOX 869 KANEOHE, HI 96744 | AFLAC | $95 | $23 | $118 | 3.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $114 | $0 | $114 | 3.56% |
| TYLER K PANG3 Filed as: TYLER PANG | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $84 | $8 | $92 | 2.87% |
| JOAO OPPENHEIM3 | 47-012 HUI IWA PLACE, APARTMENT A KANEOHE, HI 96744 | AFLAC | $76 | $0 | $76 | 2.37% |
| MARJORIE C ROBINSON3 Filed as: MARJORIE ROBINSON & ASSOCIATES, LLC | 91-1095 KAIKO STREET EWA BEACH, HI 96706 | AFLAC | $42 | $0 | $42 | 1.31% |
| DEWAYNE D SPRINKEL3 Filed as: DEWAYNE SPRINKEL | 91-917 OPEAPEA STREET EWA BEACH, HI 96706 | AFLAC | $29 | $0 | $29 | 0.91% |
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 | 3,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,200 | $35.5M |
| Dental | HAWAII DENTAL SERVICE | 4,503 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,808 | $152K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,742 | $242K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,122 | $175K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,200 | $34.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,343 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,503 | — |
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.