| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 0.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 0.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $5K | $0 | $5K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $9K | $14K | 4.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BOULEVARD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.28% |
| STRATEGIC NON-MEDICAL SOLUTION3 | SUITE 17100 ONE BEACON STREET BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 12.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.14% |
| MARUYAMA & ASSOC INC3 Filed as: MARUYAMA AND ASSOCIATES INC | 800 SOUTH BERETANIA SUITE 260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.60% |
| HUSSEY HERBERT L II3 Filed as: HUSSEY HERBERT II | 44139 KAHINANI WAY KANEOHE, HI 96744 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| ROOSENBERG WILLIAM E3 | 7300 CARMEL EXECUTIVE DRIVE SUITE 330 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | $0 | $239 | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | $0 | $174 | 0.20% |
| AN MCCABE WANEE KIMBERLY3 | 74-5070 TOMI TOMI DRIVE KAILUAKONA, HI 96740 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $3K | 4.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BOULEVARD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.51% |
| MARUYAMA & ASSOC INC3 Filed as: MARUYAMA AND ASSOCIATES INC | 800 SOUTH BERETANIA SUITE 260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.28% |
| MARUYAMA & ASSOC INC3 Filed as: MARUYAMA AND ASSOCIATES INC | 800 SOUTH BERETANIA SUITE 260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $820 | $0 | $820 | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | $0 | $307 | 0.58% |
| SMITH THOMAS C3 | IOPT LLC PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | $0 | $230 | 0.43% |
| AN MCCABE WANEE KIMBERLY3 | 74-5070 TOMI TOMI DRIVE KAILUAKONA, HI 96740 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BOULEVARD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN PACIFIC INSURANCE | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $550 | $2K | 8.36% |
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 | 979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 213 | $1.1M |
| Dental | HAWAII DENTAL SERVICE | 1,616 | $678K |
| Vision | VISION SERVICE PLAN | 849 | $131K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,076 | $336K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,158 | $72K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 213 | $1.1M |
| Other(8 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,100 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,616 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.