| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $31K | $0 | $31K | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - CHI | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $30K | $0 | $30K | 2.16% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118K | $0 | $118K | 11.84% |
| MOLENAAR, DAVID A3 | 1188 BISHOP ST STE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 4.38% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO EMPLOYEE BENEFITS CONSULTING | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | $0 | $3K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 745 FORT STREET SUITE 100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | $0 | $2K | 0.26% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 3.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.73% |
| MARUYAMA & ASSOC INC3 Filed as: MARUYAMA ASSOC INC | 800 S BERETANIA #260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.06% |
| HERBERT L HUSSEY II3 | 44139 KAHINANI WAY KANEOHE, HI 96744 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.02% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.52% |
| WANEE KIMBERLY AN MCCABE3 | 74-5070 TOMI TOMI DRIVE KAILUAKONA, HI 96740 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $724 | $0 | $724 | 0.36% |
| WILLIAM E ROOSENBERG3 | 1515 MOCKINGBIRD LANE SUITE 820 CHARLOTTE, NC 28209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $444 | $0 | $444 | 0.22% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN LLC | 1136 UNION MALL SUITE 705 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.06% |
| PIONEER PACIFIC FINL SVCS INC3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96792 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.18% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO EMPLOYEE BENEFITS | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $41 | $2K | 3.00% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $564 | $564 | 0.87% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVOCO INS. SERVICES CORP | 700 BISHOP ST #1400 HONOLULU, HI 96813 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 25.01% |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 682 | $7.7M |
| Dental | HAWAII DENTAL SERVICE | 1,939 | $676K |
| Vision | VISION SERVICE PLAN | 947 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $383K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,454 | $1.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,454 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.