| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST STE 1224 HONOLULU, HI 96813 | HMAA | $21K | — | $21K | 1.79% |
| TIMOTHY MICHAEL HOGAN3 | 71-A COUNTRY CLUB ROAD HONOLULU, HI 96817 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $12K | — | $12K | 3.17% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST STE 1850 HONOLULU, HI 96813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.00% |
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST STE 1224 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.00% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST STE 1850 HONOLULU, HI 96813 | GUARDIAN | $2K | — | $2K | 19.79% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | — | GUARDIAN | $25 | — | $25 | 0.20% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST STE 1850 HONOLULU, HI 96813 | MUTUAL OF OMAHA INSURANCE COMPANY | $273 | — | $273 | 13.01% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 224 | $1.5M |
| Dental | HAWAII DENTAL SERVICE | 186 | $89K |
| Vision(2 contracts, 2 carriers) | HMAA | 224 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $97K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 224 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.