| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE REICH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | — | $5K | 0.80% |
| GAVIN TOMA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 0.53% |
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST STE 1224 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.33% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.23% |
| JIM FRENCH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $756 | — | $756 | 0.13% |
| MANDI TAOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $638 | — | $638 | 0.11% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $538 | — | $538 | 0.09% |
| SWITCHUP INSURANCE, LLC3 Filed as: SWITCHUP INSURANCE | 439 KEONIANA ST APT 401 HONOLULU, HI 96815 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $119 | — | $119 | 0.02% |
| KAYE CABACUNGAN3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $66 | — | $66 | 0.01% |
| FINANCE INSURANCE LTD3 Filed as: FINANCE INSURANCE, LTD. | 1164 BISHOP ST STE 400 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $65 | — | $65 | 0.01% |
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 | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 92 | $581K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 92 | $581K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 92 | $581K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 92 | $581K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 92 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
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.