| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232K | — | $232K | 4.51% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $31 | $31 | 0.06% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $25 | $25 | 0.05% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $31 | $31 | 0.06% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $17 | $17 | 0.03% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $18 | $18 | 0.04% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $16 | $16 | 0.03% |
| JANE KIKAWA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $20 | $20 | 0.05% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $1K | — | $1K | 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 | 391,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 483,460 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 874,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,739 | $11.3M |
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 217,166 | $16.6M |
| Short-term disability(8 contracts) | USABLE LIFE | 469 | $373K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172,986 | $5.1M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 336 | $914 |
| Other(11 contracts, 7 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 409,712 | $22.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409,712 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.