| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 2.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450K | — | $450K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $187K | $187K | 1.89% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LEGALPLANS, USA | — | $389K | $389K | 15.00% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $1K | — | $1K | 1.50% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $589 | — | $589 | 1.50% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $558 | $3K | $3K | 8.82% |
| TODD OHIRA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $708 | $708 | 1.90% |
| GALEN HANEDA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $140 | $140 | 0.38% |
| DALE GOYA3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $18 | $18 | 0.05% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $521 | — | $521 | 1.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | USABLE LIFE | $293 | — | $293 | 3.02% |
| CAROLYN ISHIMI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $133 | — | $133 | 1.37% |
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 | 428,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 449,122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,169 | $14.1M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 281,466 | $28.8M |
| Short-term disability(12 contracts) | USABLE LIFE | 398 | $629K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223,143 | $25.4M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 178 | $1K |
| Other(8 contracts, 6 carriers) | SPRING HEALTH | 567,290 | $69.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567,290 | — |
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.