| 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 | $31K | — | $31K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 5.33% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET SUITE 1850 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | — | $84K | 4.75% |
| BENEFITS HAWAII LLC3 | 1188 BISHOP STREET SUITE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | — | $77K | 4.32% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET SUITE 1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57K | — | $57K | 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 STREET SUITE 1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 13.61% |
| BENCHMARK INS GROUP LLC3 | 7300 CARMEL EXECUTIVE DRIVE SUITE 330 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII DENTAL SERVICE EIN 99-0107971 CLAIMS PROCESSOR | Claims processing Service code 12 | 900 FORT STREET MALL SUITE 1900 HONOLULU, HI 96813 | $197K |
| STRAUB CLINIC & HOSPITAL EIN 91-2151670 SERVICE PROVIDER | Other services Service code 49 | 55 MERCHANT STREET 24TH FLOOR HONOLULU, HI 96813 | $77K |
| WORKLIFE HAWAII EIN 99-0073483 SERVICE PROVIDER | Other services Service code 49 | 1001 BISHOP STREET SUITE 780 HONOLULU, HI 96813 | $43K |
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 | 2,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 984 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,182 | $23.8M |
| Vision | VISION SERVICE PLAN | 2,378 | $283K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,021 | $1.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,020 | $398K |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,182 | $23.8M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,182 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.