| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | HAWAII DENTAL SERVICE | $311K | — | $311K | 3.99% |
| GUY TANIOKA3 | 220 S KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $17K | — | $17K | 0.28% |
| GRACE BEYMER3 | 220 S KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $7K | — | $7K | 0.12% |
| STANTON SAIKI3 | 220 S KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 0.07% |
| CHUCK TONDA3 | 220 S KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.03% |
| P.S.H. INSURANCE, INC.3 Filed as: P S H INSURANCE INC | 737 BISHOP STREET SUITE 2120 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.02% |
| PACIFIC BENEFIT SOLUTIONS LLC3 Filed as: PACIFIC BENEFIT SOLUTIONS | — | HAWAII MEDICAL ASSURANCE ASSOCIATION | $768 | — | $768 | 0.01% |
| HI INSURANCE & FINANCIAL SERVICES3 Filed as: HI INSURANCE FINANCIAL SERVICES INC | — | HAWAII MEDICAL ASSURANCE ASSOCIATION | $528 | — | $528 | 0.01% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES | — | USUABLE LIFE | $51K | — | $51K | 10.00% |
| LUM AND NAKANO AGENCY INC.3 Filed as: LUM AND NAKANO AGENCY INC | — | RELIANCE STANDARD | $8K | — | $8K | 15.00% |
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 | 25,370 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 25,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 23,487 | $168.5M |
| Dental(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 23,487 | $146.7M |
| Vision(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 23,487 | $168.6M |
| Life insurance(2 contracts, 2 carriers) | USUABLE LIFE | 22,613 | $562K |
| Long-term disability | RELIANCE STANDARD | 198 | $56K |
| Prescription drug(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 23,487 | $168.5M |
| Other(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 23,487 | $161.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,487 | — |
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.