| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Securities brokerage commissions and fees; Custodial (securities); Direct payment from the plan Service code 19 | — | $144K |
| RAYMOND JAMES & ASSOCIATES EIN 59-1237041 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $113K |
| HAWAII BENEFIT ADMINISTRATORS INC EIN 99-0329747 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $107K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| MILLIMAN EIN 91-0675641 NONE | Actuarial; Securities brokerage commissions and fees; Direct payment from the plan Service code 11 | — | $56K |
| FOCUS INVESTMENTS NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 511 SAXONY PLACE, STE 101 ENCINITAS, CA 92024 | $51K |
| HONOLULU ACTUARIAL CONSULTANTS EIN 20-5644068 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $16K |
| SEGAL, SHANLEY, MILLER SHEA | Consulting (general); Direct payment from the plan Service code 16 | — | $9K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 420 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 195 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HMSA BLUE CROSS/BLUE SHIELD | 521 | $2.0M |
| Prescription drug | HMSA BLUE CROSS/BLUE SHIELD | 521 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.