| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 180 HOWARD STREET SUITE 1100 SAN FRANCISCO, CA 94105 | THE UNION LABOR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII ELECTRICIANS ADMIN OFFICE EIN 99-0109237 ADMINISTRATIVE OFFICE | Plan Administrator Service code 14 | — | $688K |
| HWMG EIN 94-3193724 NONE | Claims processing Service code 12 | — | $565K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Insurance brokerage commissions and fees Service code 11 | — | $211K |
| HDS EIN 99-0107971 NONE | Claims processing Service code 12 | — | $154K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing Service code 12 | — | $87K |
| SSI INVESTMENT MANAGEMENT EIN 83-3986484 NONE | Investment management; Soft dollars commissions Service code 28 | — | $79K |
| SIERRA INVESTMENT PARTNERS, INC. EIN 68-0370668 NONE | Investment management Service code 28 | — | $78K |
| LEMKE, CHINEN & TANAKA, CPA, INC. EIN 99-0155373 NONE | Accounting (including auditing) Service code 10 | — | $56K |
| RAYMOND JAMES EIN 59-1237041 NONE | Investment advisory (plan) Service code 27 | — | $55K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Investment management; Account maintenance fees Service code 28 | — | $42K |
| CENTRAL PACIFIC BANK EIN 99-0309010 NONE | Custodial (securities); Custodial (other than securities) Service code 18 | — | $42K |
| VISION SERVICE PLAN EIN 99-0247673 NONE | Claims processing Service code 12 | — | $40K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing Service code 12 | — | $35K |
| FOCUS INVESTMENT ADVISORS EIN 81-1193503 NONE | Investment management Service code 28 | — | $35K |
| OAKHURST CAPITAL MANAGEMENT EIN 85-3620002 NONE | Investment management Service code 28 | — | $29K |
| HGK EIN 51-1296988 NONE | Finders' fees / placement fees; Investment management; Soft dollars commissions Service code 28 | — | $13K |
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 | 1,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 820 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 863 | $2.2M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE | 1,744 | $57K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE | 1,805 | $534K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,974 | $83K |
| Other | PACIFIC GUARDIAN LIFE INSURANCE | 1,744 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,974 | — |
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.