| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET STE 1220 HONOLULU, HI 96814 | HAWAII MEDICAL SERVICE ASSOCIATION | $47K | — | $47K | 1.70% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA ST STE 1220 HONOLULU, HI 96814 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 1.24% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET STE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $5K | — | $5K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 649 FIFTH AVE SOUTH # 204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $14K | $5K | $19K | 12.57% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES | 1580 MAKALOA ST #1220 HONOLULU, HI 96814 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.67% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 615 | $3.6M |
| Dental | HAWAII DENTAL SERVICE | 762 | $252K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 366 | $149K |
| Long-term disability | STANDARD INSURANCE COMPANY | 366 | $149K |
| Other(2 contracts, 2 carriers) | WORKLIFE HAWAII | 389 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.