| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALOHA EMPLOYEE BENEFITS INSURANCE3 | 77-153 HOOILINA CT KAILUA-KONA, HI 96740 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $5K | — | $5K | 0.82% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES | 1580 MAKALOA ST STE 1220 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | — | $4K | 0.63% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.24% |
| MANDI TAOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.19% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $994 | — | $994 | 0.17% |
| PATRICIA HO3 | 98-380 KOAUKA LOOP #310 AIEA, HI 96701 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $711 | — | $711 | 0.12% |
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS | PO BOX 240655 HONOLULU, HI 96824 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $321 | — | $321 | 0.06% |
| ORI-GEN NOGUCHI, LLC DBA NOGUCHI &3 | 1314 S KING ST STE 560 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $31 | — | $31 | 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 | 74 | 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) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 98 | $578K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 98 | $578K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 98 | $578K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 98 | $578K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 98 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.