| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | — | $151K | 5.40% |
| HAWAII STATE TEACHERS ASSOCIATION8 | 1259 AALA STREET STE 202 HONOLULU, HI 96817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $30K | $30K | 1.08% |
| NONE | — | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD | — | — | $0 | 0.00% |
| NONE | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| NONE | — | AMERICAN FIDELITY ASSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN SOLUTIONS EIN 95-3658675 NONE | Actuarial; Other services; Direct payment from the plan; Contract Administrator Service code 11 | — | $495K |
| MORGAN STANLEY EIN 36-4516330 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $74K |
| CHAR SAKAMOTO ISHII LUM & CHING ATT NONE | Legal; Direct payment from the plan Service code 29 | 841 BISHOP STREET, SUITE 850 HONOLULU, HI 96813 | $28K |
| HEMMING MORSE CPAS AND CONSULTANTS EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 20-0461050 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $20K |
| BANK OF HAWAII EIN 99-0033900 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
| HAMLIN CAPITAL MANAGEMENT EIN 52-2344187 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $15K |
| CONGRESS ASSET MANAGEMENT COMPANY EIN 04-2848965 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $9K |
| ROMEO ELENO EIN 99-0145127 TRUSTEE | Trustee (individual) Service code 20 | — | $8K |
| DAWN RAYMOND EIN 99-0145127 TRUSTEE | Trustee (individual) Service code 20 | — | $7K |
| GAYLE ENRIQUEZ EIN 99-0145127 TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| COLLEEN PASCO EIN 99-0145127 TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| JOHN KOMETANI EIN 99-0145127 TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
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 | 4,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,004 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD | 8,512 | $730K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 143 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 556 | $136K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,018 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,512 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.