| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHUCK TONDA3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | — | $5K | 0.56% |
| GRACE BEYMER3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 0.43% |
| STANTON SAIKI3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 0.42% |
| GUY TANIOKA3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 0.41% |
| GAVIN TOMA3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.21% |
| JIM FRENCH3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.17% |
| JAMIE REICH3 | 737 BISHOP ST. STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.15% |
| PROINSURANCE HAWAII, LLC3 | 4348 WAIALAE AVE #101 HONOLULU, HI 96816 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $473 | — | $473 | 0.05% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA ST. STE 1220 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $371 | — | $371 | 0.04% |
| P.S.H. INSURANCE, INC.3 | 737 BISHOP ST. STE 2120 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $359 | — | $359 | 0.04% |
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST. STE 1224 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $34 | — | $34 | 0.00% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 257 | $865K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 257 | $865K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 257 | $865K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 257 | $865K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 257 | $865K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.