| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KERSTEN & ASSOCIATES3 | 737 BISHOP STREET, SUITE 1700 MAUKA TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | — | $3K | 0.88% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $433 | $2K | $2K | 6.05% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $994 | — | $994 | 2.41% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 299 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 178 | $1.5M |
| Dental | HAWAII DENTAL SERVICE | 468 | $285K |
| Other | HARTFORD LIFE AND ACCIDENT | 229 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.