| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD I KERSTEN3 Filed as: RICHARD IRA KERSTEN | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE INSURANCE CO. | $91K | — | $91K | 7.20% |
| MARY M MATTOS3 | 355-A HUALANI STREET KAILUA, HI 96734 | HARTFORD LIFE INSURANCE CO. | $61K | — | $61K | 4.80% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HAWAII DENTAL SERVICE | $8K | — | $8K | 0.89% |
| RICHARD I KERSTEN3 Filed as: RICHARD IRA KERSTEN | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 7.36% |
| MARY M MATTOS3 | 355-A HUALANI STREET KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 7.36% |
| RICHARD I KERSTEN3 Filed as: RICHARD IRA KERSTEN | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE INSURANCE COMPANY | $44K | — | $44K | 11.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 EAST 5600 SOUTH, STE 240 SALT LAKE CITY, UT 84107 | HARTFORD LIFE INSURANCE COMPANY | $26K | — | $26K | 6.55% |
| MARY M MATTOS3 Filed as: MARY MATTOS | 355A HUALANI STREET KAILUA, HI 96734 | HARTFORD LIFE INSURANCE COMPANY | $16K | — | $16K | 4.06% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| MARY M MATTOS3 | 355-A HUALANI STREET KAILUA, HI 96734 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.50% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HAWAII DENTAL SERVICE | 2,195 | $884K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 735 | $401K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 499 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.