| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | HAWAII MEDICAL SERVICE ASSOCATION | — | $36K | $36K | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $6K | $25K | 6.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $8K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $17K | 16.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $888 | $9K | 16.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $680 | $4K | 11.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $393 | $4K | 16.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $185 | $2K | 16.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1585 KAPIOLANI BLVD SUITE 1215 HONOLULU, HI 96814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $835 | — | $835 | 15.01% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCATION | 421 | $5.3M |
| Dental | HAWAII MEDICAL SERVICE ASSOCATION | 421 | $5.3M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 501 | $141K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $378K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,010 | $166K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCATION | 421 | $5.3M |
| Other(8 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 501 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,010 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.