| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROSERVICE HAWAII INSURANCE SERVICE | 6600 KALANIANAOLE HIGHWAY STE 200 HONOLULU, HI 96825 | KAISER FOUNDATION HEALTH PLAN | $238K | $16K | $254K | 2.35% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | HAWAII DENTAL SERVICE | $33K | — | $33K | 1.00% |
| AJA BENEFITS CONSULTANTS LLC3 | 165 KEAWE ST STE 101 HILO, HI 96720 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.86% |
| AJA BENEFITS CONSULTANTS LLC3 Filed as: AJA BENEFITS CONSULTANTS | 165 KEAWE ST STE 101 HILO, HI 96720 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 23.00% |
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 | 17,971 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 15,025 | $71.6M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 15,025 | $64.1M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 15,025 | $71.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,082 | $219K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $8K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 15,025 | $71.6M |
| Other(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 15,025 | $71.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,025 | — |
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 >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.