| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $19K | — | $19K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $5K | — | $5K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC/9T250 | INSURANCE SERVICES INC 700 BISHOP STREET STE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 3.57% |
| MARUYAMA & ASSOC INC3 | 800 S BERETANIA #260 4FCL0 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.75% |
| HUSSEY HERBERT L II3 | 5CFL0 44139 KAHINANI WAY KANEOHE, HI 96744 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 8ANY0 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC/8LMF0 | INSURANCE SERVICES INC 700 BISHOP STREET STE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $629 | — | $629 | 0.29% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS C IOPT LLC | 6YCH0 PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 0.15% |
| ROOSENBERG WILLIAM E3 | 5AKX0 7300 CARMEL EXECUTIVE DRIVE STE 300 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $282 | — | $282 | 0.13% |
| AN MCCABE WANEE KIMBERLY3 | 74-5070 TOMI TOMI DRIVE 8BKE0 KAILUAKONA, HI 96740 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 7AKK0 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC | INSURANCE SERVICES INC 700 BISHOP STE STE 1400 HONOLULU, HI 96813 | VISION SERVICE PLAN | $3K | — | $3K | 2.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 729 | $8.8M |
| Dental | HAWAII DENTAL SERVICE | 976 | $719K |
| Vision | VISION SERVICE PLAN | 923 | $146K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,084 | $287K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,157 | $60K |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,200 | $843K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.