| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROINSURANCE HAWAII, LLC3 | 4348 WAIALAE AVE #101 HONOLULU, HI 96816 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $7K | $0 | $7K | 1.25% |
| ALOHA EMPLOYEE BENEFITS INSURANCE3 | 77-153 HOOILINA CT KAILUA-KONA, HI 96740 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | $0 | $5K | 0.80% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES | 1580 MAKALOA ST STE 1220 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | $0 | $1K | 0.20% |
| PATRICIA HO3 | 98-380 KOAUKA LOOP #310 AIEA, HI 96701 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $890 | $0 | $890 | 0.16% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $365 | $0 | $365 | 0.06% |
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 | 61 | 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) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 82 | $565K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 82 | $565K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 82 | $565K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 82 | $565K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 82 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.