| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAVIN TOMA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $30K | — | $30K | 1.64% |
| ATLAS INSURANCE3 | 201 MERCHANT ST STE 1100 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $7K | — | $7K | 0.38% |
| GUY TANIOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $6K | — | $6K | 0.32% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 0.16% |
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS | PO BOX 240655 HONOLULU, HI 96824 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 0.14% |
| JIM FRENCH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.13% |
| JAMIE REICH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.11% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $759 | — | $759 | 0.04% |
| STANTON SAIKI3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $282 | — | $282 | 0.02% |
| ARI MATSUMURA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $72 | — | $72 | 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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 280 | $1.9M |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 280 | $1.9M |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 280 | $1.9M |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 280 | $1.9M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 280 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.