| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHUCK TONDA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $8K | $0 | $8K | 0.43% |
| JAMIE REICH3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.24% |
| JIM FRENCH3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.23% |
| STANTON SAIKI3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.23% |
| P.S.H. INSURANCE, INC.3 | 737 BISHOP ST, STE 2120 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.21% |
| GRACE BEYMER3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.20% |
| HI INS. & FINANCIAL SERVICES, INC.3 | 1009 KAPIOLANI BLVD. #2804 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | $0 | $2K | 0.09% |
| INSIGHT BUSINESS SOLUTIONS3 | 1003 BISHOP ST STE 2700 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $479 | $0 | $479 | 0.03% |
| GUY TANIOKA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $259 | $0 | $259 | 0.01% |
| GAVIN TOMA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $99 | $0 | $99 | 0.01% |
| ANALIPO INSURANCE SERVICES, LLC3 | P.O. BOX 689 KEALAKEKUA, HI 96750 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $83 | $0 | $83 | 0.00% |
| MANDI TAOKA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $33 | $0 | $33 | 0.00% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 309 | $1.8M |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 309 | $1.8M |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 309 | $1.8M |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 309 | $1.8M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 309 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.