| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $28K | — | $28K | 1.02% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST SUITE 1850 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 5.88% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | — | $70K | 4.93% |
| BENEFITS HAWAII LLC3 | 1188 BISHOP ST STE 1708 HONOLULU, HI 968133307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 4.64% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST SUITE 1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58K | — | $58K | 12.14% |
| BENCHMARK INS GROUP LLC3 | 7300 CARMEL EXECUTIVE DRIVE SUITE 330 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.12% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST SUITE 1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | — | $34K | 13.23% |
| BENCHMARK INS GROUP LLC3 | 7300 CARMEL EXECUTIVE DRIVE SUITE 330 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII DENTAL SERVICE EIN 99-0107971 CLAIMS PROCESSOR | Claims processing Service code 12 | 700 BISHOP ST SUITE 700 HONOLULU, HI 968134196 | $181K |
| STRAUB CLINIC & HOSPITAL EIN 91-2151670 SERVICE PROVIDER | Other services Service code 49 | 55 MERCHANT ST 24TH FLOOR HONOLULU, HI 96813 | $81K |
| WORKLIFE HAWAII EIN 99-0073483 SERVICE PROVIDER | Other services Service code 49 | 1001 BISHOP ST SUITE 780 HONOLULU, HI 96813 | $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 | 2,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 954 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,252 | $21.7M |
| Vision | VISION SERVICE PLAN | 2,402 | $283K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,091 | $1.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,085 | $394K |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,252 | $21.7M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,565 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,252 | — |
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.