| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM FRENCH3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $10K | $0 | $10K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $10K | $0 | $10K | 0.98% |
| CHUCK TONDA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | $0 | $2K | 0.16% |
| JAMIE REICH3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $857 | $0 | $857 | 0.08% |
| MANDI TAOKA3 | 737 BISHOP ST STE 1200 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $853 | $0 | $853 | 0.08% |
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST STE 1224 HONOLULU, HI 968133205 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $528 | $0 | $528 | 0.05% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 176 | $1.0M |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 176 | $1.0M |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 176 | $1.0M |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 176 | $1.0M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 176 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.