| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HMAA | $35K | — | $35K | 2.71% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | KAISER PERMANENTE | $11K | — | $11K | 3.51% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.00% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | THE HARTFORD | $6K | — | $6K | 12.59% |
| MARY M MATTOS3 Filed as: MARY MATTOS | 355 A HUALANI STREET KAILUA, HI 96734 | THE HARTFORD | $1K | — | $1K | 2.40% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM | $5K | — | $5K | 15.66% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $769 | — | $769 | 10.01% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $567 | — | $567 | 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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 253 | $1.6M |
| Dental | HAWAII DENTAL SERVICE | 281 | $109K |
| Vision(2 contracts, 2 carriers) | HMAA | 253 | $1.6M |
| Life insurance | UNUM | 93 | $33K |
| Short-term disability(5 contracts) | PACIFIC GUARDIAN LIFE | 95 | $49K |
| Long-term disability | THE HARTFORD | 128 | $49K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 253 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
No prospect flags tripped on this filing.