| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, TX 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $31K | — | $31K | 0.88% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, 8TH FLOOR HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | — | $98K | 5.74% |
| BENEFITS HAWAII LLC3 | 1188 BISHOP STREET SUITE 1708 HONOLULU, HI 968133307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 4.30% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 4.30% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, 8TH FLOOR HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | 11.60% |
| BENCHMARK INS GROUP LLC3 | 2401 SARDIS ROAD NORTH STE 110 CHARLOTTE, NC 28227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.10% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, 8TH FLOOR HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 12.25% |
| BENCHMARK INS GROUP LLC3 | 2401 SARDIS ROAD NORTH STE 110 CHARLOTTE, NC 28227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII DENTAL SERVICE EIN 99-0107971 | Claims processing Service code 12 | 900 FORT STREET MALL SUITE 1900 HONOLULU, HI 96813 | $207K |
| STRAUB CLINIC & HOSPITAL EIN 91-2151670 | Other services Service code 49 | 55 MERCHANT STREET 24TH FLOOR HONOLULU, HI 96813 | $76K |
| WORKLIFE HAWAII EIN 99-0073483 | Other services Service code 49 | 91-1841 FORT WEAVER ROAD EWA BEACH, HI 96706 | $40K |
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 | 2,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 975 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,992 | $23.8M |
| Vision | VISION SERVICE PLAN | 2,360 | $284K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,515 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,998 | $399K |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,992 | $23.8M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,647 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,992 | — |
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."
No prospect flags tripped on this filing.