| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP STREET #1400 HONOLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.53% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP STREET #1400 HONOLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP STREET #1400 HONOLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS SVCS | 700 BISHOP STREET TOWER SUITE 1400 HONOLULU, HI 96813 | USABLE LIFE | $613 | — | $613 | 5.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS SVCS | 700 BISHOP STREET TOWER SUITE 1400 HONOLULU, HI 96813 | USABLE LIFE | $481 | — | $481 | 8.70% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP STREET #1400 HONOLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $496 | — | $496 | 9.99% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP STREET #1400 HONOLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $682 | — | $682 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS SVCS | 700 BISHOP STREET TOWER SUITE 1400 HONOLULU, HI 96813 | USABLE LIFE | $277 | — | $277 | 6.63% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $301 | — | $301 | 14.99% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCATION | 485 | $5.1M |
| Dental | HAWAII MEDICAL SERVICE ASSOCATION | 485 | $5.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 536 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 536 | $113K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCATION | 485 | $5.1M |
| Other(9 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 536 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.