| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | HAWAII DENTAL SERVICE | — | — | $0 | 0.00% |
| MARKHAM INSURANCE SERVICES, INC. Filed as: MARKHAM INSURANCE SERVICES, INC | 338 KILAUEA AVE HILO, HI 96720 | USABLE LIFE | — | — | $0 | 0.00% |
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 | 21,464 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 21,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH | 21,464 | $32.1M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 21,464 | $20.8M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH | 21,464 | $32.1M |
| Life insurance(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 21,464 | $13.8M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH | 21,464 | $32.1M |
| Other(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH | 21,464 | $32.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,464 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.