| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | KAISER PERMANENTE | $61K | — | $61K | 3.54% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | UNIVERSITY HEALTH ALLIANCE | $41K | — | $41K | 3.00% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | PACIFIC GUARDIAN LIFE | $5K | — | $5K | 5.72% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | PACIFIC GUARDIAN LIFE | $4K | — | $4K | 5.34% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $524 | — | $524 | 0.99% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $374 | — | $374 | 1.00% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $273 | — | $273 | 1.00% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $111 | — | $111 | 0.99% |
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 | 483 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 283 | $3.1M |
| Dental(4 contracts) | HAWAII DENTAL SERVICE | 179 | $129K |
| Vision(2 contracts, 2 carriers) | KAISER PERMANENTE | 283 | $3.1M |
| Life insurance | PACIFIC GUARDIAN LIFE | 410 | $69K |
| Long-term disability | PACIFIC GUARDIAN LIFE | 410 | $80K |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANENTE | 283 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.