| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVENUE, SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $13K | — | $13K | 1.01% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVENUE, SUITE 200 TORRANE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVENUE, SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | HAWAII DENTAL SERVICE | $44 | — | $44 | 0.98% |
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 | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 224 | $1.3M |
| Dental | HAWAII DENTAL SERVICE | 3 | $5K |
| Vision | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 224 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,248 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 703 | $89K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 224 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,248 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.