| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST., SUITE 1100 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $35K | — | $35K | 2.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET , 14 FLOOR HONOULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 1.12% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 0.88% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST., STE 1940 HONOLULU, HI 96813 | USABLE LIFE | $822 | — | $822 | 7.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST. SUITE 1400 HONOLULU, HI 96813 | USABLE LIFE | $596 | — | $596 | 5.20% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 249 | $1.9M |
| Dental | HAWAII DENTAL SERVICE | 388 | $121K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 249 | $1.9M |
| Life insurance | USABLE LIFE | 82 | $11K |
| Long-term disability | USABLE LIFE | 82 | $11K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 249 | $1.9M |
| Other | USABLE LIFE | 82 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.