| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 7.00% |
| ATLAS INSURANCE | 201 MERCHANT ST STE 1100 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 2.99% |
| ATLAS INSURANCE AGENCY, INC. Filed as: ATLAS INSURANCE AGENCY INC | 201 MERCHANT STREET SUITE 1100 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 3.46% |
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 | 8,480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $562K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 17 | $381K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 17 | $242K |
| Life insurance | STANDARD INSURANCE COMPANY | 8,615 | $6.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,124 | $2.9M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $562K |
| Other(2 contracts, 2 carriers) | LIFEWORKS (US) LTD. | 8,710 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,710 | — |
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.