| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET STE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $90K | — | $90K | 2.76% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA ST STE 1220 HONOLULU, HI 96814 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | $10 | $26K | 2.77% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET STE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $6K | — | $6K | 2.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES | 1580 MAKALOA ST #1220 HONOLULU, HI 96814 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 8.62% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES | 1580 MAKALOA ST #1220 HONOLULU, HI 96814 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 6.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET STE 1220 HONOLULU, HI 96814 | USABLE LIFE | $684 | — | $684 | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DR URBANDALE, IA 50398 | USABLE LIFE | $18 | — | $18 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DR URBANDALE, IA 50398 | USABLE LIFE | $694 | — | $694 | 2.54% |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 566 | $4.2M |
| Dental | HAWAII DENTAL SERVICE | 339 | $277K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 566 | $3.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 5,280 | $141K |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,265 | $105K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 566 | $3.3M |
| Other(5 contracts, 2 carriers) | USABLE LIFE | 196 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,280 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.