| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $15K | — | $15K | 4.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 2.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 22.21% |
| TYLER K PANG3 Filed as: TYLER K. PANG | 2510 RAINBOW DRIVE HONOLULU, HI 96818 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.91% |
| DEAN TAKASHI YONESHIGE3 | 1430 ALA HAHANUI STREET HONOLULU, HI 96818 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.45% |
| MICHAEL E JONES3 Filed as: MICHAEL E. JONES | 20 MALIHINI PLACE WAILUKU, HI 96793 | AFLAC | $224 | — | $224 | 2.74% |
| MARIE BAYUDAN-DRURY3 | 1350 E. FLAMINGO ROAD SUITE 130-330 LAS VEGAS, NV 89119 | AFLAC | $223 | — | $223 | 2.73% |
| PIOPAC FIDELITY3 | 1164 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | AFLAC | $126 | — | $126 | 1.54% |
| STEPHANIE S. MONTANO3 | 50 PUAKOU PLACE PAIA, HI 96779 | AFLAC | $65 | — | $65 | 0.79% |
| GEORGE R. FONTAINE3 | 3157 WAAKEA PLACE KIHEI, HI 96753 | AFLAC | $51 | — | $51 | 0.62% |
| PATTIE L ARANIO3 Filed as: PATTIE L. ARANIO | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $15 | — | $15 | 0.18% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SERVICES INC. | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $12 | — | $12 | 0.15% |
| SANDRA TRENHOLME3 | 628 MAPUANA PLACE WAILUKU, HI 96793 | AFLAC | $11 | — | $11 | 0.13% |
| NICOLE MAEDA3 | PO BOX 481 KAHULUI, HI 96733 | AFLAC | $10 | — | $10 | 0.12% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DRIVE COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.07% |
| STEPHEN H ARANIO3 Filed as: STEPHEN H. ARANIO | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $4 | — | $4 | 0.05% |
| LYNN A GOULD3 Filed as: LYNN A. GOULD | 6 ROSEMONT LANE TUCKERTON, NJ 08087 | AFLAC | $2 | — | $2 | 0.02% |
| KAI M TAKEKAWA3 Filed as: KAI M. TAKEKAWA | 1155 HASSINGER STREET APT 801 HONOLULU, HI 96822 | AFLAC | $2 | — | $2 | 0.02% |
| STEVEN W K SOONG3 Filed as: STEVEN W.K. SOONG | 1580 MAKALOA STREET SUITE 1111 HONOLULU, HI 96814 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL J ELLIS3 Filed as: MICHAEL J. ELLIS | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $565 | — | $565 | 8.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 700 BISHOP STREET SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $703 | — | $703 | 11.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 700 BISHOP STREET SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $445 | — | $445 | 14.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 700 BISHOP STREET SUITE 1100 HONOLULU, HI 96813 | WORKLIFE HAWAII | $142 | — | $142 | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 745 FORT STREET SUITE 1100 HONOLULU, HI 96813 | HARTFORD LIFE AND ACCIDENT | $238 | — | $238 | 25.05% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 106 | $629K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 231 | $39K |
| Vision | VISION SERVICE PLAN | 137 | $6K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 145 | $6K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 22 | $8K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 142 | $3K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 106 | $629K |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 145 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.