| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | KAISER PERMANENTE | $28K | — | $28K | 3.83% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | UNIVERSITY HEALTH ALLIANCE | $17K | — | $17K | 6.50% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.50% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 137 MELEANA PLACE 137 MELEANA PLACE HONOLULU, HI 96817 | PACIFIC GUARDIAN LIFE | $2K | — | $2K | 10.33% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 123 | $999K |
| Dental | HAWAII DENTAL SERVICE | 111 | $70K |
| Vision(2 contracts, 2 carriers) | KAISER PERMANENTE | 123 | $999K |
| Life insurance | PACIFIC GUARDIAN LIFE | 135 | $16K |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANENTE | 123 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.