Form 5500 · Employee benefit plan · HONOLULU, HI
NHC, INC.
The filing calls this plan HEALTH AND WELFARE PLAN FOR THE EMPLOYEES OF MNS, LTD.
NHC, INC. of HONOLULU, HI is a 1,701-participant retail employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through HMSA and 7 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-0083651 · plan 510 · plan year 2025, filed Jan 28, 2026
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6 other employer plans in Hawaii have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering health, vision, life and disability; the largest, with HMSA, covers 1,237 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
Reported premium across the insured contracts is $12,323,453, with $181,759 in disclosed broker commissions — about 1.5% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in November. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS LLC is the broker of record on 3 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 394 | Apr 1, 2025 | $339,720 | $138,103 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,407 | Apr 1, 2025 | $415,731 | $37,570 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 24 | Dec 1, 2024 | $19,187 | $2,878 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 44 | Apr 1, 2025 | $16,892 | $2,006 |
| METLIFE LEGAL PLANS | — | 36 | Apr 1, 2025 | $7,035 | $1,151 |
| AFLAC | — | 0 | Apr 1, 2024 | $411 | $51 |
| HMSA | Health | 1,237 | Apr 1, 2025 | $7,286,903 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health, Vision | 573 | Apr 1, 2025 | $3,511,516 | $0 |
| CALVO'S SELECTCARE INSURANCE, INC. | Health, Vision | 121 | Apr 1, 2025 | $697,246 | $0 |
| EMPLOYEE ASSISTANCE OF THE PACIFIC, LLC | — | 2,058 | Apr 1, 2025 | $28,812 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
6 other employer plans in Hawaii are April 1 renewals (policy year ends March).
Their policy years end in March, like this plan’s, so most renew April 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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