| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAVIN TOMA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | — | $5K | 0.84% |
| JAMIE REICH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | — | $5K | 0.74% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $977 | — | $977 | 0.15% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $903 | — | $903 | 0.14% |
| MANDI TAOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $835 | — | $835 | 0.13% |
| KAYE CABACUNGAN3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $824 | — | $824 | 0.13% |
| JIM FRENCH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $691 | — | $691 | 0.11% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALO ST STE 1220 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $446 | — | $446 | 0.07% |
| SWITCHUP INSURANCE, LLC3 Filed as: SWITCHUP INSURANCE | 439 KEONIANA ST APT 401 HONOLULU, HI 96815 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $310 | — | $310 | 0.05% |
| FINANCE INSURANCE LTD3 Filed as: FINANCE INSURANCE, LTD. | 1164 BISHOP ST STE 400 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $196 | — | $196 | 0.03% |
| ATLAS INSURANCE3 | 201 MERCHANT ST STE 1100 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $15 | — | $15 | 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 | 58 | 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) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 58 | $630K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 58 | $630K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 58 | $630K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 58 | $630K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 58 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58 | — |
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."
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.