| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST #1400 HONOLULU, HI 96813 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 2.49% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST #1400 HONOLULU, HI 96813 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 2.49% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST #1400 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 4.99% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP ST #1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.22% |
| FIRST HAWAIIAN INSURANCE INC3 | P.O. BOX 3200 HONOLULU, HI 96847 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.99% |
| BOBBIE E MA3 | 5551 LEMONMINT LN PRESCOTT, AZ 86305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $442 | — | $442 | 0.75% |
| BENEFIT PLAN SOLUTIONS, INC.3 | 680 IWILEI RD STE 528 HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $288 | — | $288 | 2.00% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,035 | $10.6M |
| Dental(4 contracts) | HAWAII DENTAL SERVICE | 1,798 | $881K |
| Vision(7 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,035 | $10.6M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 878 | $314K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 812 | $204K |
| Prescription drug(7 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,035 | $10.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,798 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.