| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS HAWAII LLC3 | 1240 ALA MOANA BLVD SUITE 312 HONOLULU, HI 96814 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.11% |
| DAVID A. MOLENAAR3 | 1188 BISHOP ST STE 1708 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $3K | $870 | $4K | 11.96% |
| THOMAS JOSEPH MCTIGUE3 | 900 FORT ST MALL STE 500 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $568 | $135 | $703 | 1.96% |
| GARRET STOTZ3 Filed as: GARRET J BLEAKLEY INS | 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $505 | $44 | $549 | 1.53% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 378 | $2.9M |
| Dental | HAWAII DENTAL SERVICE | 614 | $195K |
| Vision(2 contracts, 2 carriers) | HMSA | 378 | $2.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 257 | $78K |
| Long-term disability | NORTHWESTERN MUTUAL | 256 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HMSA | 378 | $2.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 292 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.