| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $214K | $3K | $217K | 13.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 1.47% |
| KERSTEN & ASSOCIATES3 | 737 BISHOP STREET, SUITE 1700 MAUKA TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $8K | — | $8K | 0.89% |
| KERSTEN & ASSOCIATES3 Filed as: KERSTEN, RICHARD I | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 5.55% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 5.55% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL PLANNING | 3111 LINCOLN AVE HONOLULU, HI 96816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.39% |
| MATTOS, MARY M3 | 355 A HUALANI ST KAILUA, HI 96734 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.39% |
| KERSTEN & ASSOCIATES3 | 737 BISHOP STREET, SUITE 1700 MAUKA TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $302 | — | $302 | 0.89% |
| KERSTEN & ASSOCIATES3 | 458 AULIMA LOOP KAILUA, HI 967349673 | 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 | 747 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,732 | $12.2M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 2,267 | $926K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,806 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,806 | $1.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,806 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,267 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.