| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $27K | — | $27K | 0.93% |
| FIRST HAWAIIAN BANK1 | 999 BISHOP ST SUITE #1850 HONOLULU, HI 96813 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $45K | $45K | 2.36% |
| FIRST HAWAIIAN BANK1 | 999 BISHOP ST SUITE #1850 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 6.00% |
| BENEFITS HAWAII LLC3 | 1188 BISHOP STREET SUITE 1708 HONOLULU, HI 968133307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 4.50% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 4.50% |
| FIRST HAWAIIAN BANK1 | 999 BISHOP ST SUITE #1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65K | — | $65K | 12.83% |
| BENCHMARK INS GROUP LLC3 | PO BOX 470845 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.16% |
| CALVO'S INSURANCE UNDERWRITERS, INC3 | P.O. BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD | $9K | — | $9K | 2.00% |
| FIRST HAWAIIAN BANK1 | 999 BISHOP ST SUITE #1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 15.40% |
| BENCHMARK INS GROUP LLC3 | PO BOX 470845 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII DENTAL SERVICE EIN 99-0107971 CLAIMS PROCESSOR | Claims processing Service code 12 | 700 BISHOP STREET, SUITE 700 HONOLULU, HI 968134196 | $189K |
| STRAUB CLINIC & HOSPITAL EIN 91-2151670 SERVICE PROVIDER | Other services Service code 49 | 55 MERCHANT STREET, 24TH FLOOR HONOLULU, HI 96813 | $99K |
| WORKLIFE HAWAII EIN 99-0073483 SERVICE PROVIDER | Other services Service code 49 | 1001 BISHOP STREET, SUITE 780 HONOLULU, HI 96813 | $39K |
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 | 2,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 927 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICES ASSOCIATION | 3,345 | $21.8M |
| Vision | VISION SERVICE PLAN | 2,417 | $288K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,173 | $1.9M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,173 | $1.9M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICES ASSOCIATION | 3,345 | $21.8M |
| Other(5 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,241 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,345 | — |
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.