| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $42K | $0 | $42K | 2.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $4K | $0 | $4K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.03% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG STREET, APARTMENT 2701 HONOLULU, HI 96814 | AFLAC | $4K | $109 | $4K | 4.53% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC. AND OTHER AGENTS | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $2K | $25 | $2K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $1K | $0 | $1K | 1.49% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR. | 1450 YOUNG STREET, APARTMENT 2306 HONOLULU, HI 96814 | AFLAC | $816 | $0 | $816 | 1.02% |
| KAI M TAKEKAWA3 Filed as: KAI M. TAKEKAWA | 1155 HASSINGER STREET APARTMENT 801 HONOLULU, HI 96822 | AFLAC | $685 | $0 | $685 | 0.85% |
| DUSTIN DEAN DENIZ3 | 725 KAPIOLANI BOULEVARD, SUITE C302 HONOLULU, HI 96813 | AFLAC | $422 | $0 | $422 | 0.53% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SVS. INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $335 | $0 | $335 | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $1K | $0 | $1K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 745 FORT STREET, SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $1K | $0 | $1K | 5.00% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC. AND OTHER AGENTS | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $646 | $0 | $646 | 4.16% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG STREET, APARTMENT 2701 HONOLULU, HI 96814 | AFLAC | $470 | $0 | $470 | 3.03% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR. | 1450 YOUNG STREET, APARTMENT 2306 HONOLULU, HI 96814 | AFLAC | $285 | $0 | $285 | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $137 | $0 | $137 | 0.88% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SVS. INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $136 | $0 | $136 | 0.88% |
| GALEN MIZUGUCHI3 | 1767 HALE O KEA STREET HILO, HI 96720 | AFLAC | $134 | $0 | $134 | 0.86% |
| KAI M TAKEKAWA3 Filed as: KAI M. TAKEKAWA | 1155 HASSINGER STREET APARTMENT 801 HONOLULU, HI 96822 | AFLAC | $122 | $0 | $122 | 0.79% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG STREET, APARTMENT 2701 HONOLULU, HI 96814 | AFLAC | $678 | $9 | $687 | 5.55% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC. AND OTHER AGENTS | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $288 | $2 | $290 | 2.34% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR. | 1450 YOUNG STREET, APARTMENT 2306 HONOLULU, HI 96814 | AFLAC | $214 | $0 | $214 | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $196 | $0 | $196 | 1.58% |
| CELINA UEHARA3 | 91-6555 KAPOLEI PARKWAY EWA BEACH, HI 96706 | AFLAC | $95 | $0 | $95 | 0.77% |
| KAI M TAKEKAWA3 Filed as: KAI M. TAKEKAWA | 1155 HASSINGER STREET APARTMENT 801 HONOLULU, HI 96822 | AFLAC | $75 | $0 | $75 | 0.61% |
| TYLER K PANG3 Filed as: TYLER K. PANG | 1108 20TH AVENUE HONOLULU, HI 96816 | AFLAC | $70 | $0 | $70 | 0.57% |
| CHARLES T FUKUMOTO3 Filed as: CHARLES T KUKUMOTO AND OTHER AGENTS | 95-1001 KAHANUI STREET MILILANI, HI 96789 | AFLAC | $574 | $4 | $578 | 4.71% |
| RICHARD KERSTEN3 Filed as: RICHARD FONSECA JR. | 1450 YOUNG STREET, APARTMENT 2306 HONOLULU, HI 96814 | AFLAC | $207 | $0 | $207 | 1.69% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SVS. INC. | 1132 BISHOP STREET, SUITE 2101 HONOLULU, HI 96813 | AFLAC | $191 | $0 | $191 | 1.56% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG STREET, APARTMENT 2701 HONOLULU, HI 96814 | AFLAC | $169 | $15 | $184 | 1.50% |
| GALEN MIZUGUCHI3 | 1767 HALE O KEA STREET HILO, HI 96720 | AFLAC | $116 | $0 | $116 | 0.95% |
| SAMUEL I. ACOSTA3 | 91-1014 KUEA STREET KAPOLEI, HI 96707 | AFLAC | $109 | $0 | $109 | 0.89% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC. | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | AFLAC | $96 | $0 | $96 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | $0 | $896 | 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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 235 | $1.7M |
| Dental(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 360 | $1.7M |
| Vision(6 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 235 | $1.7M |
| Life insurance(5 contracts, 2 carriers) | AFLAC | 204 | $145K |
| Short-term disability(4 contracts) | AFLAC | 58 | $120K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 183 | $23K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 235 | $1.6M |
| Other(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 204 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.