| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARGET CORPORATION0 | 33 SOUTH 6TH STREET CC-1712 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $98K | $98K | 2.90% |
| TARGET CORPORATION0 | 33 SOUTH 6TH STREET CC-1712 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE | — | $55K | $55K | 2.90% |
| TARGET CORPORATION0 | 33 SOUTH 6TH STREET CC-1712 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $37K | $37K | 2.90% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $771 | — | $771 | 4.00% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $443 | $443 | 2.30% |
| TODD OHIRA3 | PO BOX 860 HONOLULUL, HI 96808 | USABLE LIFE | — | $337 | $337 | 1.75% |
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 | 335,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 388,327 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,216 | $9.6M |
| Life insurance(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181,740 | $15.8M |
| Short-term disability(7 contracts) | USABLE LIFE | 366 | $316K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 122,722 | $12.9M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 528 | $2K |
| Other(8 contracts, 7 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 338,420 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338,420 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.