| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE | 201 MERCHANT ST STE 111 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN | $15K | — | $15K | 0.07% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | HAWAII DENTAL SERVICE | $269K | — | $269K | 4.36% |
| MARKHAM INSURANCE SERVICES, INC. Filed as: MARKHAM INSURANCE SERVICES INC | 165 KEAWE STREET STE 101 HILO, HI 96720 | USABLE LIFE | $40K | — | $40K | 10.00% |
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 | 28,129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 19,505 | $32.7M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 19,505 | $18.6M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 19,505 | $32.7M |
| Life insurance | USABLE LIFE | 17,609 | $403K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 19,505 | $32.7M |
| Other(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 19,505 | $32.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,505 | — |
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.