| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV.,LLC | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $261K | — | $261K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV.,LLC | 75 STATE ST., STE 1710 BOSTON, MA 02109 | METLIFE LEGAL PLANS | — | $54K | $54K | 2.10% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $238 | — | $238 | 1.14% |
| CAROLYN ISHIMI3 | P O BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $37 | — | $37 | 3.99% |
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 | 435,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 501,479 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,954 | $12.2M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 221,051 | $18.8M |
| Short-term disability(9 contracts) | USABLE LIFE | 476 | $403K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158,381 | $17.9M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $1K |
| Other(11 contracts, 7 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495,823 | $22.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495,823 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.