| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC CONSULTANTS, INC | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 12.88% |
| KAHIKINA CONSULTANTS INC3 | 68 KUMULAU OHIA LOOP WAILUKU, HI 96793 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | — | $762 | 1.84% |
| RYAN M GOO3 | 1164 BISHOP STE SUITE 1200 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $738 | — | $738 | 1.78% |
| TYLER K PANG3 | 2510 RAINBOW DR HONOLULU, HI 96822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 1.11% |
| JASON C CRANE3 | 92-1219 HOOKEHA ST. KAPOLEI, HI 96707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 0.86% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SERVICES | 1132 BISHOP ST STE 2101 HONOLULU, HI 96813 | AFLAC | $91 | — | $91 | 4.69% |
| MEL W S CHOW AND ASSOC INC3 | 6239 MILOLII PL HONOLULU, HI 96825 | AFLAC | $64 | — | $64 | 3.30% |
| RYAN M GO3 | 1164 BISHOP ST STE 1200 HONOLULU, HI 96813 | AFLAC | $25 | — | $25 | 1.29% |
| JAMES J TAVARES SR3 | PO BOX 342 MAKAWAO, HI 96768 | AFLAC | $14 | — | $14 | 0.72% |
| PIONEER PACIFIC FINANCIAL3 | 1164 BISHOP ST STE 1200 HONOLULU, HI 96813 | AFLAC | $13 | — | $13 | 0.67% |
| PATTIE L ARANIO3 | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $11 | — | $11 | 0.57% |
| WAYNE I ORIDE | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $8 | — | $8 | 0.41% |
| STEVEN W K SOONG3 | 1580 MAKALOA ST STE 1111 HONOLULU, HI 96814 | AFLAC | $1 | — | $1 | 0.05% |
| WALTER F PETERS3 | 1687 KALAUOKALANI WAY STE A NUMBER 218 HONOLULU, HI 96814 | AFLAC | $0 | — | $0 | 0.00% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 849 | $6.7M |
| Vision(2 contracts, 2 carriers) | HMSA | 849 | $6.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 47 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.