| 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 | $46K | $0 | $46K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 700 BISHOP STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $4K | $0 | $4K | 2.00% |
| EK BENEFITS CONSULTING LLC3 Filed as: EK BENEFITS CONSULTING, LLC. | 1450 YOUNG STREET, APT 2701 HONOLULU, IL 96814 | AFLAC | $2K | $60 | $2K | 4.11% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE, INC AND OTHER AGENTS | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $2K | $9 | $2K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $725 | $0 | $725 | 1.27% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR | 1450 YOUNG STREET, APT 2306 HONOLULU, HI 96814 | AFLAC | $612 | $0 | $612 | 1.07% |
| KAI M TAKEKAWA3 | 1155 HASSINGER STREET, APT 801 HONOLULU, HI 96813 | AFLAC | $489 | $0 | $489 | 0.86% |
| DUSTIN DEAN DENIZ3 | 725 KAPIOLANI BOULEVARD, SUITE C302 HONOLULU, HI 96813 | AFLAC | $318 | $0 | $318 | 0.56% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SVCS, INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $255 | $0 | $255 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 700 FORT STREET SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $1K | $0 | $1K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 700 FORT STREET SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $1K | $0 | $1K | 5.00% |
| KAI M TAKEKAWA3 Filed as: KAI M TAKEKAWA AND OTHER AFFILIATES | 1155 HASSINGER STREET, APT 801 HONOLULU, HI 96813 | AFLAC | $502 | $0 | $502 | 3.90% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR | 1450 YOUNG STREET, APT 2306 HONOLULU, HI 96814 | AFLAC | $288 | $0 | $288 | 2.24% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG STREET, APT 2701 HONOLULU, HI 96814 | AFLAC | $253 | $0 | $253 | 1.97% |
| GALEN MIZUGUCHI3 | 1767 HALE O KEA STREET HILO, HI 96720 | AFLAC | $120 | $0 | $120 | 0.93% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SVCS, INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $117 | $0 | $117 | 0.91% |
| PSH INSURANCE, INC.3 | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $107 | $0 | $107 | 0.83% |
| CELINA UEHARA3 | 91-6555 KAPOLEI PARKWAY EWA BEACH, HI 96706 | AFLAC | $90 | $0 | $90 | 0.70% |
| EK BENEFITS CONSULTING LLC3 Filed as: EK BENEFITS CONSULTING, LLC. | 1450 YOUNG STREET, APT 2701 HONOLULU, HI 96814 | AFLAC | $243 | $0 | $243 | 2.61% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR | 1450 YOUNG STREET, APT 2306 HONOLULU, HI 96814 | AFLAC | $204 | $0 | $204 | 2.19% |
| KAI M TAKEKAWA3 Filed as: KAI M TAKEKAWA AND OTHER AFFILIATES | 1155 HASSINGER STREET, APT 801 HONOLULU, HI 96813 | AFLAC | $193 | $0 | $193 | 2.08% |
| CELINA UEHARA3 | 91-6555 KAPOLEI PARKWAY EWA BEACH, HI 96706 | AFLAC | $93 | $0 | $93 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $63 | $0 | $63 | 0.68% |
| PSH INSURANCE, INC.3 | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $54 | $0 | $54 | 0.58% |
| CHRISTIAN FERMAHIN3 | 99-157 KEALAKAHA DRIVE AIEA, HI 96701 | AFLAC | $54 | $0 | $54 | 0.58% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE, INC AND OTHER AGENTS | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $440 | $0 | $440 | 4.84% |
| EK BENEFITS CONSULTING LLC3 Filed as: EK BENEFITS CONSULTING, LLC. | 1450 YOUNG STREET, APT 2701 HONOLULU, HI 96814 | AFLAC | $150 | $0 | $150 | 1.65% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR | 1450 YOUNG STREET, APT 2306 HONOLULU, HI 96814 | AFLAC | $132 | $0 | $132 | 1.45% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SERVICES, INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $127 | $0 | $127 | 1.40% |
| CHARLES T FUKUMOTO3 | 95-1001 KAHANUI STREET MILLANI, HI 96789 | AFLAC | $77 | $0 | $77 | 0.85% |
| GALEN MIZUGUCHI3 | 1767 HALE O KEA STREET HILO, HI 96720 | AFLAC | $68 | $0 | $68 | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $62 | $0 | $62 | 0.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $68 | $1K | 15.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $384 | $0 | $384 | 30.00% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 233 | $1.8M |
| Dental(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 306 | $1.8M |
| Vision(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 233 | $1.8M |
| Life insurance(5 contracts, 2 carriers) | AFLAC | 180 | $111K |
| Short-term disability(4 contracts) | AFLAC | 46 | $88K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 163 | $21K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 233 | $1.7M |
| Other(3 contracts, 3 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 186 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
No prospect flags tripped on this filing.