| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ENOMOTO3 Filed as: JOHN E. ENOMOTO | 733 BISHOP ST STE 1700 HONOLULU, HI 968134017 | AMERICAN GENERAL LIFE COMPANIES | $0 | — | $0 | 0.00% |
| JOHN ENOMOTO3 | 733 BISHOP ST STE 1700 HONOLULU, HI 968134017 | WEST COAST LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MASSACHUSETTS MUTUAL LIFE INSURANCE EIN 04-1590850 CONTRACT ADMINISTRATOR | Distribution (12b-1) fees; Recordkeeping fees; Investment management fees paid indirectly by plan; Soft dollars commissions; Other insurance wrap fees; Other investment fees and expenses; Sub-transfer agency fees Service code 52 | — | $109K |
| LPL FINANCIAL EIN 04-3046611 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $55K |
| SUEMORI & INOUYE, INC. EIN 99-0242337 THIRD PARTY ADMINISTRATOR | Consulting (pension); Other services Service code 17 | — | $12K |
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 | 1,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 88 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE COMPANIES | 3 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.