| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HMAA | $30K | — | $30K | 2.91% |
| EMPLOYEE BENEFITS RESOURCE, INC. | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | KAISER PERMANENTE | $16K | — | $16K | 3.46% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.50% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $3K | — | $3K | 10.00% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 146 | $1.5M |
| Dental | HAWAII DENTAL SERVICE | 272 | $78K |
| Vision(2 contracts, 2 carriers) | HMAA | 146 | $1.5M |
| Life insurance | PACIFIC GUARDIAN LIFE | 205 | $25K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 146 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.