| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY INC | 1132 BISHOP ST. STE 1600 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN REGION HI | $4K | — | $4K | 3.30% |
| ATLAS INSURANCE3 | 1132 BISHOP ST. STE 1600 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 2.93% |
| DAVID J MCCLELLAN3 Filed as: DAVID B. RICHTER | 317 NW GILMAN BLVD., STE 11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
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 | 6,821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 23 | $454K |
| Dental(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN REGION HI | 19 | $287K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN REGION HI | 19 | $205K |
| Life insurance | STANDARD INSURANCE COMPANY | 7,151 | $4.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,652 | $2.0M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 23 | $454K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 7,151 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,652 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.