| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $258K | — | $258K | 4.95% |
| HAWAII STATE TEACHERS ASSOCIATION0 | 1259 AALA ST STE 202 HONOLULU, HI 96817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $52K | $52K | 0.99% |
| BENEFIT PLAN SOLUTIONS, INC.3 Filed as: BENEFIT PLAN SOLUTIONS INC | 680 IWILEI RD STE 528 HONOLULU, HI 96817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $225 | $225 | 0.07% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $65 | — | $65 | 0.03% |
| BENEFIT PLAN SOLUTIONS, INC.3 Filed as: BENEFIT PLAN SOLUTIONS INC | 680 IWILEI RD STE 528 HONOLULU, HI 96817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $225 | $225 | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII BENEFIT ADMINISTRATORS, INC. EIN 99-0329747 NONE | Other services; Contract Administrator Service code 13 | — | $488K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $50K |
| MORGAN STANLEY COMPANY EIN 36-4516330 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $44K |
| CHAR SAKAMOTO ISHII LUM & CHING NONE | Legal Service code 29 | 841 BISHOP ST STE 850 HONOLULU, HI 96813 | $28K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Other fees Service code 99 | — | $25K |
| HAMLIN CAPITAL MANAGEMENT EIN 52-2344187 NONE | Investment management Service code 28 | — | $23K |
| BANK OF HAWAII EIN 99-0033900 NONE | Custodial (securities) Service code 19 | — | $8K |
| CONGRESS ASSET MANAGEMENT COMPANY EIN 04-2848965 NONE | Investment advisory (plan) Service code 27 | — | $5K |
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 | 3,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,013 | $497K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD | 7,917 | $614K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 374 | $202K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 494 | $143K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,807 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,917 | — |
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."
No prospect flags tripped on this filing.