| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BLVD TOWER 2 SUITE 303 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $165K | — | $165K | 2.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 745 FORT STREET SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $14K | — | $14K | 0.91% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $75K | $3K | $78K | 12.81% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BLVD #2 SUITE 303 HONOLULU, HI 96813 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 7.98% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BLVD SUITE 303 HONOLULU, HI 96813 | VISION SERVICE PLAN | $3K | — | $3K | 2.00% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BLVD TOWER 2 SUITE 303 HONOLULU, HI 96813 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.50% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | $249 | $7K | 14.78% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $108 | $5K | 15.50% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $501 | $25 | $526 | 13.86% |
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 | 4,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,407 | $33.3M |
| Dental | HAWAII DENTAL SERVICE | 5,080 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,345 | $173K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $189K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,049 | $165K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,407 | $32.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,080 | — |
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.