| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL | 2111 E. HIGHLAND AVE PHOENIX, AZ 85016 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | — | $18K | 4.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HMA, INC. EIN 86-0461140 NONE | Contract Administrator; Other fees; Claims processing Service code 12 | — | $427K |
| HAWAII BENEFIT ADMINISTRATORS, INC. EIN 99-0329747 NONE | Contract Administrator Service code 13 | — | $177K |
| HAWAII DENTAL SERVICES EIN 99-0107971 NONE | Contract Administrator; Claims processing Service code 12 | — | $62K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (pension) Service code 17 | — | $58K |
| MCCRAKEN, STEMERMAN & HOLSBERRY EIN 94-1709555 NONE | Legal Service code 29 | — | $38K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| CHIROPLAN HAWAII, INC. EIN 90-0321516 NONE | Other services Service code 49 | — | $28K |
| APPLEGATE SERVICES EIN 32-8405237 NONE | Copying and duplicating Service code 36 | — | $12K |
| BANK OF HAWAII EIN 99-0040710 NONE | Investment management Service code 28 | — | $12K |
| HAWAII COMMUNITY HEALTH ALLIANCE EIN 61-1735460 NONE | Claims processing Service code 12 | — | $9K |
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 | 1,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 768 | $4.2M |
| Dental | DENTAL CARE CENTERS OF HAWAII | 0 | $11K |
| Vision | VISION SERVICE PLAN | 1,787 | $120K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,868 | $77K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,414 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,868 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.