| 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. | $193K | $0 | $193K | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $14K | $0 | $14K | 0.91% |
| MJ INSURANCE3 Filed as: MICHAEL E. JONES AND VARIOUS AGENTS | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $37K | $462 | $38K | 7.06% |
| STEPHEN CHEN FUNG3 | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $12K | $166 | $12K | 2.26% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BOULEVARD TOWER TWO, SUITE 303 HONOLULU, HI 96813 | AFLAC | $8K | $0 | $8K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $7K | $0 | $7K | 1.29% |
| STEPHEN H ARANIO3 Filed as: STEPHEN H. ARANIO | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $5K | $0 | $5K | 1.03% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO R. INCIONG JR. | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $4K | $79 | $4K | 0.73% |
| PATTIE L ARANIO3 Filed as: PATTIE L. ARANIO | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $3K | $0 | $3K | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 9.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 11.72% |
| MJ INSURANCE3 Filed as: STEPHEN H ARANIO AND VARIOUS AGENTS | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $3K | $62 | $3K | 5.92% |
| MICOLE MAEDA3 | PO BOX 481 KAHULUI, HI 96733 | AFLAC | $1K | $44 | $1K | 3.36% |
| STEPHEN CHEN FUNG3 | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $1K | $30 | $1K | 3.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $959 | $0 | $959 | 2.19% |
| SANDRA TRENHOLME3 | 628 MAPUANA PLACE WAILUKU, HI 96793 | AFLAC | $668 | $0 | $668 | 1.53% |
| MICHAEL E JONES3 Filed as: MICHAEL E. JONES | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $570 | $0 | $570 | 1.30% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BOULEVARD TOWER TWO, SUITE 303 HONOLULU, HI 96813 | AFLAC | $479 | $0 | $479 | 1.10% |
| MJ INSURANCE3 Filed as: TYLER K. PANG AND VARIOUS AGENTS | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $2K | $0 | $2K | 6.30% |
| STEPHEN CHEN FUNG3 | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $473 | $0 | $473 | 1.63% |
| JULIE C GUSHIKEN3 Filed as: JULIE C. GUSHIKEN | 1138 MANONO STREET HILO, HI 96720 | AFLAC | $371 | $0 | $371 | 1.28% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 500 ALA MOANA BOULEVARD TOWER TWO, SUITE 303 HONOLULU, HI 96813 | AFLAC | $363 | $0 | $363 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $316 | $0 | $316 | 1.09% |
| JOAO OPPENHEIM3 Filed as: JOAO N. OPPENHEIM | 47-012 HUI IWA PLACE, APARTMENT A KANEOHE, HI 96744 | AFLAC | $275 | $0 | $275 | 0.95% |
| STEPHEN H ARANIO3 Filed as: STEPHEN H. ARANIO | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $149 | $0 | $149 | 0.51% |
| LOGAN SANDOVAL3 | PO BOX 869 KANEOHE, HI 96744 | AFLAC | $212 | $0 | $212 | 7.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $182 | $0 | $182 | 6.40% |
| STEPHEN CHEN FUNG3 | 2520 MYRTLE STREET HONOLULU, HI 96816 | AFLAC | $125 | $6 | $131 | 4.60% |
| MARJORIE C ROBINSON3 Filed as: MARJORIE ROBINSON & ASSOCIATES LLC | 91-1095 KAIKO STREET EWA BEACH, HI 96706 | AFLAC | $115 | $16 | $131 | 4.60% |
| TYLER K PANG3 Filed as: TYLER K. PANG | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $112 | $4 | $116 | 4.08% |
| MJ INSURANCE3 Filed as: KASSIE P. SILVA AND VARIOUS AGENTS | 189 KAULANA NA PUA CIRCLE WAILUKU, HI 96793 | AFLAC | $59 | $0 | $59 | 2.07% |
| CINDY L ARAKAKI3 Filed as: CINDY L. ARAKAKI | 94-215 PULELO PLACE WAIPAHU, HI 96797 | AFLAC | $40 | $0 | $40 | 1.41% |
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 | 3,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,374 | $32.9M |
| Dental | HAWAII DENTAL SERVICE | 5,215 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,363 | $175K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,209 | $193K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,008 | $170K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,374 | $32.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,209 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,215 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.