| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL ARCHER3 | 91-2036 KANELA STREET EWA BEACH, HI 96706 | USABLE LIFE | $291 | — | $291 | 0.22% |
| KRISTI KATAYAMA3 | 98-1716 IPUALA LOOP AIEA, HI 96701 | USABLE LIFE | $12 | — | $12 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 16633 VENTURA BOULEVARD, SUITE 1300 ENCINO, CA 91436 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $11K | — | $11K | 15.00% |
| KENNETH ONISHI3 | 46-319 KUMOO LOOP KANEOHE, HI 96744 | EMC NATIONAL LIFE COMPANY | $192 | — | $192 | 2.08% |
| BENCHMARK INSURANCE AGENCY LLC3 Filed as: BENCHMARK INSURANCE GROUP LLC | PO BOX 470845 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 2.07% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 565 | $2.8M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 565 | $2.8M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 565 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 287 | $101K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 323 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 287 | $92K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 565 | $2.8M |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 307 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.