| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 737 BISHOP STREET, SUITE 17003 | MAUKA TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $10K | — | $10K | 1.12% |
| MATTOS, MARY M3 | 355 A HUALANI ST KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 6.91% |
| KERSTEN & ASSOCIATES3 Filed as: KERSTEN, RICHARD I | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 6.91% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.39% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL PLANNING | 3111 LINCOLN AVE HONOLULU, HI 96816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | — | $748 | 0.10% |
| KERSTEN & ASSOCIATES3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 715 | 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) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,246 | $11.6M |
| Dental | HAWAII DENTAL SERVICE | 742 | $863K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 907 | $460K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 524 | $1.5M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 907 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,246 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.