| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $53K | $0 | $53K | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $0 | $20K | 3.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | $0 | $3K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $476 | $6K | 10.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $382 | $5K | 10.85% |
| PATTIE L ARANIO3 | PO BOX 89-4711 HONOLULU, HI 96789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.35% |
| MJ INSURANCE3 Filed as: RENE L ALLEN AND VARIOUS AGENTS | 3269 HOANOHO PLACE HONOLULU, HI 96816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.80% |
| JASON C CRANE3 | 92-1219 HOOKEHA STREET KAPOLEI, HI 96707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.97% |
| CHRISTIAN FERMAHIN3 Filed as: CHRISTIAN T FERMAHIN | 99-157 KEALAKAHA DRIVE AIEA, HI 96701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 1.45% |
| JULIE C GUSHIKEN3 | 1138 MANONO STREET HILO, HI 96720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $449 | $0 | $449 | 1.00% |
| PERFECTO R INCIONG JR3 | 99-516 HALAWA HEIGHTS ROAD ALEA, HI 96701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | $0 | $423 | 0.94% |
| MJ INSURANCE3 Filed as: GRACE KIM AND VARIOUS AGENTS | 15423 PARK POINT AVENUE UNIT 102 LAKE ELSINORE, CA 92532 | AFLAC | $2K | $0 | $2K | 4.95% |
| PATTIE L ARANIO3 | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $793 | $0 | $793 | 2.15% |
| JULIE C GUSHIKEN3 | 1138 MANONO STREET HILO, HI 96720 | AFLAC | $328 | $0 | $328 | 0.89% |
| STEPHEN H ARANIO3 | 1136 UNION MALL, SUITE 800 HONOLULU, HI 96813 | AFLAC | $261 | $0 | $261 | 0.71% |
| MICHAEL E JONES3 | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $255 | $0 | $255 | 0.69% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SERVICES | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $251 | $0 | $251 | 0.68% |
| DERRICK K CHING3 | 5867 KOALI STREET KAPAA, HI 96746 | AFLAC | $210 | $0 | $210 | 0.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $207 | $3K | 10.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $840 | $64 | $904 | 10.77% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 134 | $1.7M |
| Dental | HAWAII DENTAL SERVICE | 290 | $121K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 134 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 248 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $45K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 134 | $1.6M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 231 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.