| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $356K | $356K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV.,LLC | 1 BEACON ST SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $550K | — | $550K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LEGALPLANS, USA | — | $111K | $111K | 4.39% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | -$553 | — | -$553 | -0.67% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $519 | — | $519 | 1.50% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $479 | — | $479 | 1.50% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $3K | — | $3K | 9.35% |
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 | 413,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 455,841 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,043 | $13.0M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 281,644 | $27.3M |
| Short-term disability(11 contracts) | USABLE LIFE | 447 | $586K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218,796 | $26.5M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $1K |
| Other(8 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410,366 | $42.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410,366 | — |
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.