| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BEENFIT CONSULTING | 500 ALA MOANA BLVD 2-303 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $23K | $0 | $23K | 3.48% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BEENFIT CONSULTING | 500 ALA MOANA BLVD 2-303 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN | $24K | $0 | $24K | 24.94% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BEENFIT CONSULTING | 500 ALA MOANA BLVD 2-303 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $819 | $0 | $819 | 1.00% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 124 | $753K |
| Dental | HAWAII DENTAL SERVICE | 242 | $82K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 124 | $753K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 124 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.