| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A M SEGAWA INSURANCE SERVICES, INC.3 | 47-392A AHUIMANU PLACE KANEOHE, HI 96744 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.47% |
| AMERICAN MUTUAL GROUP3 | 1357 KAPIOLANI BLVD., SUITE 1000 HONOLULU, HI 96814 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.34% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, SUITE 1100 CHICAGO, ID 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $105 | $105 | 0.20% |
| ALAN M. SEGAWA3 | C/O ATLAS INSURANCE AGENCY 820 MILILANI STREET, 3RD FLOOR HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $2K | — | $2K | 7.46% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 901 | $3.2M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 901 | $2.5M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 901 | $3.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 294 | $53K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 296 | $33K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 901 | $3.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 294 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.