| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS HAWAII LLC3 | 1188 BISHOP ST STE 1708 HONOLULU, HI 96813 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $94 | $94 | 0.12% |
| DAVID A. MOLENAAR3 | 1188 BISHOP ST STE 1708 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 14.09% |
| JAMESON PAUL DELGADILLO3 Filed as: JAMESON PAUL DEGLADILLO | 900 FORT ST MALL STE 500 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $407 | $146 | $553 | 1.49% |
| TOM STEWART IN SOL INC3 | 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $407 | $49 | $456 | 1.23% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 385 | $3.2M |
| Dental | HAWAII DENTAL SERVICE | 654 | $223K |
| Vision(2 contracts, 2 carriers) | HMSA | 385 | $3.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 324 | $76K |
| Long-term disability | NORTHWESTERN MUTUAL | 254 | $37K |
| Prescription drug(2 contracts, 2 carriers) | HMSA | 385 | $3.2M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 324 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.