See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 23 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 15 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $239K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | — | $197K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $177K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $105K |
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 | 15,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 845 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,480 | $29.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 348 | $4.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 7,119 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 21,244 | $4.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 15,392 | $3.8M |
| Long-term disability(10 contracts, 5 carriers) | KAISER FDN HEALTH PLAN OF HAWAII | 15,392 | $17.9M |
| Prescription drug(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 6,774 | $394K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 21,244 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,244 | — |
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."
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.