| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST #1400 HONOLULU, HI 96813 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | $2K | $10K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST #1400 HONOLULU, HI 96813 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | $709 | $5K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST #1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.25% |
| FIRST HAWAIIAN INSURANCE INC3 | P.O. BOX 3200 HONOLULU, HI 96847 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| BOBBIE E MA3 | 485 BECKWOURTH DR RENO, NV 89506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $759 | — | $759 | 0.75% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 929 | $11.7M |
| Dental(3 contracts) | HAWAII DENTAL SERVICE | 1,424 | $804K |
| Vision(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 929 | $11.7M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 688 | $333K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 651 | $137K |
| Prescription drug(5 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 929 | $11.7M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,059 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,424 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.