Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-lossOther | Stop-lossOther | |
HealthHMO | HealthHMO | |
Dental | Dental | |
Vision | Vision | |
Broker: The Segal Company Life | Life | |
LifeLTD | LifeLTD |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,944 | 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) | 1,944 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 989 | $4.5M |
| Dental | HAWAII DENTAL SERVICE | 5,629 | $2.5M |
| Vision | VISION SERVICE PLAN | 1,945 | $188K |
| Life insurance(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 1,879 | $18K |
| Long-term disability | PACIFIC GUARDIAN LIFE INS CO LTD | 0 | $0 |
| Stop-loss / reinsurancereinsurance | HAWAII MEDICAL SERVICE ASSOCIATION | 4,622 | $22.7M |
| Other | HAWAII MEDICAL SERVICE ASSOCIATION | 4,622 | $22.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,629 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Union Labor Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII MEDICAL SERVICE ASSOCIATION EIN 99-0040115 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.7M |
| ZENITH AMERICAN SOLUTIONS INC. NONE | Direct payment from the plan; Plan Administrator Service code 14 | 1141 HARBOR BAY PKWY STE 100 ALAMEDA, CA 94502 | $314K |
| MULTI-PLAN SERVICES AGENCY INC. EIN 81-3751949 NONE | Direct payment from the plan; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $158K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $124K |
| SSI INVESTMENT MANAGEMENT EIN 95-2913505 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $118K |
| SALTZMAN & JOHNSON EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| MCMORGAN & COMPANY EIN 94-1650768 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $49K |
| OAKHURST CAPITAL MGMT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1875 CENTURY PARK E STE 950 LOS ANGELES, CA 90067 | $48K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $32K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| RAYMOND JAMES NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | PO BOX 23641 ST PETERSBURG, FL 33742 | $20K |
| ENGINEERS PUBLISHING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $14K |
| MAILRITE PRINT & MAIL, INC. NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 843 STRIKE AVE STE C SACRAMENTO, CA 95834 | $6K |
| ASSISTANCE RECOVERY PROGRAM EIN 94-3042622 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
11 filings · 2015 to 2025