| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUI KWAN TANIA3 | 46-109 KONOHIKI ST, SUITE 3911 KANEOHE, HI 96744 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 2.23% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 1.24% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY GROUP INC | 46-109 KONOHIKI ST, SUITE 3911 KANEOHE, HI 96744 | HAWAII DENTAL SERVICE | $855 | — | $855 | 1.01% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $847 | — | $847 | 1.00% |
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 | 181 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 152 | $1.9M |
| Dental | HAWAII DENTAL SERVICE | 225 | $85K |
| Vision(2 contracts, 2 carriers) | HMSA | 152 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | HMSA | 152 | $1.9M |
| Other | WORKLIFE HAWAII | 181 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.