| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 10.47% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 5.59% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 3.96% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 3.96% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL PLANNING | 3111 LINCOLN AVE HONOLULU, HI 96816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 1.40% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 51.21% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | 29.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 9.50% |
| KERSTEN & ASSOCIATES3 | 737 BISHOP STREET, SUITE 1700 MAUKA TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 1.19% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 101.98% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | 58.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 18.91% |
| KERSTEN & ASSOCIATES3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 621.07% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | 355.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 115.16% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | — |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | — |
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 | 644 | 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) | 644 | 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 | 2,140 | $12.6M |
| Dental | HAWAII DENTAL SERVICE | 673 | $205K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 839 | $469K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 485 | $1.4M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,464 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,464 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.