| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $29K | $0 | $29K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 700 BISHOP STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | $0 | $2K | 3.00% |
| TYLER K PANG3 | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $3K | $0 | $3K | 6.02% |
| MJ INSURANCE3 Filed as: SUSANNA TRAN AND VARIOUS AGENTS | 3030 ALA ILIMA STREET APARTMENT 202 HONOLULU, HI 96818 | AFLAC | $3K | $0 | $3K | 5.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $2K | $0 | $2K | 4.11% |
| ANNASTACEYA ARCANGEL-PANG3 | 667 MAALO STREET KAHULUI, HI 96732 | AFLAC | $2K | $80 | $2K | 3.26% |
| MARJORIE C ROBINSON3 Filed as: MARJORIE ROBINSON & ASSOCIATES, LLC | 91-1095 KAIKO STREET EWA BEACH, HI 96706 | AFLAC | $675 | $0 | $675 | 1.34% |
| KAHIKINA CONSULTANTS INC3 Filed as: KAHIKINA CONSULTANTS, INC. | 68 KUMULAAU OHIA LOOP WAILUKU, HI 96793 | AFLAC | $545 | $0 | $545 | 1.08% |
| MICHAEL I ING3 | 363 KIKOO PLACE HONOLULU, HI 96825 | AFLAC | $528 | $0 | $528 | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $503 | $503 | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC4 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | $0 | $49 | 5.57% |
| DUSTIN DEAN DENIZ3 Filed as: DUSTIN D DENIZ | 222 LILIUOKALANI AVENUE, SUITE 803 HONOLULU, HI 96815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 2.96% |
| MICHAEL I ING3 Filed as: MICHAEL ING | 363 KIKOO PLACE HONOLULU, HI 96825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 2.22% |
| CHRISTIAN FERMAHIN3 Filed as: CHRISTIAN T FERMAHIN | 99-157 KEALAKAHA DRIVE AIEA, HI 96701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 1.23% |
| HAWAII PASIFIKA LLC3 Filed as: HAWAII PASIFIKA, LLC | 1100 ALAKEA STREET, SUITE 3200 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.74% |
| JULIE C GUSHIKEN3 | 1138 MANONO STREET HILO, HI 96720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.49% |
| LYNN A GOULD3 | 4999 KAHAIA AVENUE, SUITE 469 HONOLULU, HI 96816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.25% |
| KAI M TAKEKAWA3 | 1155 HASSINGER STREET APARTMENT 801 HONOLULU, HI 96822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.25% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNIVERSITY HEALTH ALLIANCE | 140 | $1.1M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 141 | $102K |
| Vision(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 65 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 201 | $34K |
| Short-term disability | AFLAC | 59 | $50K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 201 | $34K |
| Prescription drug(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 65 | $1.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 201 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.