| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSH INSURANCE, INC.3 | 737 BISHOP STREET, STE 2120 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $20K | — | $20K | 3.08% |
| PSH INSURANCE, INC. | 737 BISHOP STREET, STE 2120 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 1.51% |
| ATLAS INSURANCE AGENCY, INC. Filed as: ATLAS INSURANCE AGENCY INC | 1132 BISHOP STREET #1600 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $563 | — | $563 | 0.61% |
| KERSTEN & ASSOCIATES3 | 458 AULIMA LOOP KAILUA, HI 96734 | HAWAII DENTAL SERVICE | $773 | — | $773 | 2.01% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | VISION SERVICE PLAN | $120 | — | $120 | 11.10% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 106 | $747K |
| Dental | HAWAII DENTAL SERVICE | 121 | $38K |
| Vision(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 106 | $748K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 106 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.