| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $57K | $0 | $57K | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 3.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 700 BISHOP STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | $0 | $3K | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.43% |
| PATTIE L ARANIO3 Filed as: PATTIE ARANIO | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.41% |
| JASON C CRANE3 | 747A HOOMALU STREET PEARL CITY, HI 96782 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO R INCIONG & OTHER AGENTS | 99-516 HALAWA HEIGHTS ROAD ALEA, HI 96701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.94% |
| KRISTOPHER KEAHIOLALO3 Filed as: KRISTOPHER ISAAC KEAHIOLALO | 531 HAHAIONE STREET, #11 A HONOLULU, HI 96825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $653 | $0 | $653 | 0.93% |
| CHRISTIAN FERMAHIN3 Filed as: CHRISTIAN T FERMAHIN | 99-157 KEALAKAHA DRIVE AIEA, HI 96701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | $0 | $630 | 0.90% |
| JULIE C GUSHIKEN3 | 1138 MANONO STREET HILO, HI 96720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $558 | $0 | $558 | 0.80% |
| PERFECTO R INCIONG JR3 Filed as: PERFECTO R INCIONG & OTHER AGENTS | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $2K | $0 | $2K | 5.46% |
| PATTIE L ARANIO3 | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $729 | $0 | $729 | 2.12% |
| JULIE C GUSHIKEN3 | 1138 MANONO STREET HILO, HI 96720 | AFLAC | $293 | $0 | $293 | 0.85% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SERVICES INC | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $243 | $0 | $243 | 0.71% |
| STEPHEN H ARANIO3 | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $233 | $0 | $233 | 0.68% |
| DERRICK K CHING3 | 5867 KOALI STREET KAPAA, HI 96746 | AFLAC | $210 | $0 | $210 | 0.61% |
| MICHAEL E JONES3 | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $168 | $0 | $168 | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $698 | $3K | 11.44% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 150 | $1.9M |
| Dental | HAWAII DENTAL SERVICE | 321 | $131K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 150 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $90K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 150 | $1.9M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.