| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUMI SUDA3 | PO BOX 283300 HONOLULU, HI 96828 | AFLAC | $4K | $73 | $4K | 2.29% |
| ELIZABETH GRIFFIN3 | 1314 S KING ST STE 1462 HONOLULU, HI 96814 | AFLAC | $1K | — | $1K | 0.77% |
| CHRISTIAN FERMAHIN3 | 99-157 KEALAKAHA DR AIEA, HI 96701 | AFLAC | $1K | — | $1K | 0.65% |
| KAI M TAKEKAWA3 | 1378 HONOKAHUA ST HONOLULU, HI 96825 | AFLAC | $953 | — | $953 | 0.60% |
| KEVIN G ROBERTS II3 Filed as: KEVIN S LAU | 1391 MILOIKI ST HONOLULU, HI 96825 | AFLAC | $841 | — | $841 | 0.53% |
| DUSTIN DEAN DENIZ3 | 725 KAPIOLANI BLVD STE C302 HONOLULU, HI 96813 | AFLAC | $810 | — | $810 | 0.51% |
| KUMI SUDA3 | 1223 AUWAIKU ST KAILUA, HI 96734 | AFLAC | $378 | $397 | $775 | 0.49% |
| K CONSULTING LLC3 | PO BOX 15666 WEST PALM BEACH, FL 33416 | AFLAC | $733 | — | $733 | 0.46% |
| PIOPAC FIDELITY3 | 1132 BISHOP ST STE 2101 HONOLULU, HI 96813 | AFLAC | $728 | — | $728 | 0.46% |
| EK BENEFITS CONSULTING LLC3 | 1450 YOUNG ST APT 2701 HONOLULU, HI 96814 | AFLAC | $478 | — | $478 | 0.30% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST STE 2101 HONOLULU, HI 96813 | AFLAC | $461 | — | $461 | 0.29% |
| GENEROSO PETRAGLIA3 Filed as: GENEROSO A PETRAGLIA | 918 CREST VIEW DR VISTA, CA 92081 | AFLAC | $298 | $110 | $408 | 0.26% |
| BOBBY LEE BARNETT3 | 1100 ALAKEA ST 23RD FL HONOLULU, HI 96813 | AFLAC | $267 | $110 | $377 | 0.24% |
| SAM LEE3 | 910 AHANA ST APT 1108 HONOLULU, HI 96814 | AFLAC | $348 | — | $348 | 0.22% |
| PATTIE L ARANIO3 | 1136 UNION MALL STE 800 HONOLULU, HI 96813 | AFLAC | $321 | — | $321 | 0.20% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $285 | — | $285 | 0.18% |
| TYLER K PANG3 | 1108 20TH AVE HONOLULU, HI 96816 | AFLAC | $210 | — | $210 | 0.13% |
| MICHAEL I ING3 | 363 KIKOO PL HONOLULU, HI 96825 | AFLAC | $195 | — | $195 | 0.12% |
| STEPHEN H ARANIO3 | 1136 UNION MALL STE 800 HONOLULU, HI 96813 | AFLAC | $171 | — | $171 | 0.11% |
| STEPHANIE S. MONTANO3 Filed as: STEPHANIE S MONTANO | 2089 PAKAHI ST WAILUKU, HI 96793 | AFLAC | $111 | $42 | $153 | 0.10% |
| MARLA S TAKAMORI3 | 677 ALA MOANA BLVD STE 720 HONOLULU, HI 96813 | AFLAC | $148 | — | $148 | 0.09% |
| JENNIFER M HAMMOND3 | 5815 KAWAIHAU RD KAPAA, HI 96746 | AFLAC | $138 | — | $138 | 0.09% |
| KRISTOPHER KEAHIOLALO3 | 531 HAHAIONE ST APT 11A HONOLULU, HI 96825 | AFLAC | $126 | — | $126 | 0.08% |
| MARJORIE C ROBINSON3 | 91-1095 KAIKO ST EWA BEACH, HI 96706 | AFLAC | $119 | — | $119 | 0.07% |
| PERFECTO R INCIONG JR3 | 1136 UNION MALL STE 800 HONOLULU, HI 96813 | AFLAC | $119 | — | $119 | 0.07% |
| KASSIE PUANANI SILVA3 | 189 KAULANA NA PUA CIR WAILUKU, HI 96793 | AFLAC | $109 | $10 | $119 | 0.07% |
| COLIN D FUKAMI3 | 12932 STEADMAN FARMS DR FT WORTH, TX 76244 | AFLAC | $80 | — | $80 | 0.05% |
| PATRICIA S SAKAI3 | 320 E HIND DR HONOLULU, HI 96821 | AFLAC | $73 | — | $73 | 0.05% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $72 | — | $72 | 0.05% |
| MICHAEL E JONES3 | 20 MALIHINI PL WAILUKU, HI 96793 | AFLAC | $50 | $10 | $60 | 0.04% |
| INSPIRED FINANCIAL PARTNERS, LLC3 Filed as: INSPIRED FINANCIAL PARTNERS LLC | 45-378 KAMEHAMEHA HWY KANEOHE, HI 96744 | AFLAC | $59 | — | $59 | 0.04% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $45 | — | $45 | 0.03% |
| MJ INSURANCE3 Filed as: WINTER K BAKER | 2777 S ARIZONA AVE APT 1021 CHANDLER, AZ 85286 | AFLAC | $37 | — | $37 | 0.02% |
| GRAYSEN TAKARA3 | 95-1008 KOWA ST MILILANI, HI 96789 | AFLAC | $36 | — | $36 | 0.02% |
| TRACY LYNN WONG3 | 615 PIIKOI ST STE 1711 HONOLULU, HI 96814 | AFLAC | $24 | — | $24 | 0.02% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $23 | — | $23 | 0.01% |
| ANNETTE L. BURNS3 Filed as: ANNETTE L BURNS | 28303 BRYCE DR CASTAIC, CA 91384 | AFLAC | $22 | — | $22 | 0.01% |
| LYNN A GOULD3 | 210 LEXINGTON DR LITTLE EGG HARBOR, NJ 08087 | AFLAC | $21 | — | $21 | 0.01% |
| MARTIN B KLINE3 | 17062 TULSA ST GRANADA HILLS, CA 91344 | AFLAC | $18 | — | $18 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | AFLAC | $16 | — | $16 | 0.01% |
| GALEN MIZUGUCHI3 | 1767 HALE O KEA ST HILO, HI 96720 | AFLAC | $16 | — | $16 | 0.01% |
| APRIL MARIE ROBERTS3 | 3540 SPRINGFIELD DR FAIRFIELD, CA 94534 | AFLAC | $15 | — | $15 | 0.01% |
| SHELLEY I MATSUSAKI3 | 94-231 MAHAPILI ST MILILANI, HI 96789 | AFLAC | $15 | — | $15 | 0.01% |
| MEL W S CHOW AND ASSOC INC3 | 6239 MILOLII PL HONOLULU, HI 96825 | AFLAC | $13 | — | $13 | 0.01% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $11 | — | $11 | 0.01% |
| ELIZABETH GRINDELL3 | 91-1022A HOOMAKA ST EWA BEACH, HI 96706 | AFLAC | $11 | — | $11 | 0.01% |
| JOCELIN T Y ACOSTA3 | PO BOX 283305 HONOLULU, HI 96828 | AFLAC | $10 | — | $10 | 0.01% |
| TERUMITSU IKEDA3 | 1717 MOTT-SMITH DR APT 1110 HONOLULU, HI 96822 | AFLAC | $9 | — | $9 | 0.01% |
| DERRICK A FUJIOKA3 | 94-1234 AWAIKI ST WAIPAHU, HI 96797 | AFLAC | $5 | — | $5 | 0.00% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $4 | — | $4 | 0.00% |
| WAYNE I ORIDE3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $4 | — | $4 | 0.00% |
| GARRETT HIRANAKA3 | 2845 WAILALAE AVE NUMBER 319 HONOLULU, HI 96826 | AFLAC | $3 | — | $3 | 0.00% |
| LIANE CHONG3 Filed as: LIANE K CHONG | 45-378 KAMEHAMEHA HWY KANEOHE, HI 96744 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN W K SOONG3 Filed as: STEVEN W.K. SOONG | 1580 MAKALOA ST STE 1111 HONOLULU, HI 96814 | AFLAC | $2 | — | $2 | 0.00% |
| A M SEGAWA INSURANCE SERVICES, INC.3 | 47-392A AHUIMANU PLACE KANEOHE, HI 96744 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.18% |
| AMERICAN MUTUAL GROUP3 | 1357 KAPIOLANI BLVD., SUITE 1000 HONOLULU, HI 96814 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.79% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $69 | $69 | 0.09% |
| ALAN M. SEGAWA3 | 47-392 AHUIMANU PL. UNIT #A KANEOHE, HI 96744 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | — | $3K | 7.78% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 372 | $3.9M |
| Dental | HDS DENTAL GROUP | 617 | $233K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 372 | $3.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $76K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 350 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 372 | $3.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 403 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
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.