| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD STE400 JACKSONVILLE, FL 32216 | HAWAII DENTAL SERVICE | $229K | — | $229K | 4.00% |
| MARKHAM INSURANCE SERVICES, INC. Filed as: MARKHAM INSURANCE SERVICES | 165 KEAWE ST STE 101 HILO, HI 96720 | USABLE LIFE | $33K | — | $33K | 9.21% |
| STEVEN R MARKHAM Filed as: STEVEN MARKHAM | 165 KEAWE ST ST 101 HILO, HI 96720 | USABLE LIFE | $3K | — | $3K | 0.79% |
| JANE KIKAWA | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $423 | $423 | 0.12% |
| PROSERVICE HAWAII INSURANCE SERVICE | 6600 KALANIANAOLE HWY SUITE 200 HONOLULU, HI 96825 | KAISER FOUNDATION HEALTH PLAN | $558 | — | $558 | 0.24% |
| PROSERVICE HAWAII INSURANCE SERVICE | 6600 KALANIANAOLE HWY SUITE 200 HONOLULU, HI 96825 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $7K | — | $7K | 11.74% |
| PROSERVICE HAWAII INSURANCE SERVICE | 6600 KALANIANAOLE HWY SUITE 200 HONOLULU, HI 96825 | VSP | $61 | — | $61 | 9.93% |
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 | 23,400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,040 | $99.4M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,040 | $104.9M |
| Vision(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,040 | $99.4M |
| Life insurance | USABLE LIFE | 18,700 | $358K |
| Prescription drug(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,040 | $99.4M |
| Other(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,040 | $99.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,040 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.