| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC FIRST HEALTH SOLUTION3 | 98-524 KILIOHU LOOP AIEA, HI 96701 | HMAA | $83K | — | $83K | 1.53% |
| BTP HEALTH LLC3 | 5289 THISTLE WIND DRIVE LAS VEGAS, NV 89135 | HMAA | $83K | — | $83K | 1.53% |
| HEALTHY SYSTEMS LLC3 | 47-640 HUI ULILI STREET KANEOHE, HI 96744 | HMAA | $24K | — | $24K | 0.44% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HI IRON WORKERS ADMIN. OFFICE EIN 99-0164675 ADMIN OFFICE | Plan Administrator Service code 14 | — | $148K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Custodial (securities); Finders' fees / placement fees; Soft dollars commissions Service code 19 | — | $100K |
| LEMKE CHINEN & TANAKA,CPA,INC. EIN 99-0155373 NONE | Accounting (including auditing) Service code 10 | — | $52K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Actuarial Service code 11 | — | $48K |
| TORKILDSON KATZ MOORE HETHERINGTON EIN 99-0155867 NONE | Legal Service code 29 | — | $16K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Investment management Service code 28 | — | $7K |
| STIFEL NICOLAUS EIN 43-0538770 NONE | Investment advisory (plan) Service code 27 | — | $7K |
| BOYD WATTERSON EIN 34-1922005 NONE | Investment management Service code 28 | — | $7K |
| C.M BIDWELL & ASSOCIATES EIN 99-0185916 NONE | Investment management Service code 28 | — | $6K |
| RAYMOND JAMES EIN 59-1237041 NONE | Investment advisory (plan) Service code 27 | — | $5K |
| BANK OF HAWAII EIN 99-0040710 NONE | Investment management fees paid directly by plan Service code 51 | — | $5K |
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 | 688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 229 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HMAA | 1,371 | $7.7M |
| Dental | HAWAII DENTAL SERVICE | 2,049 | $733K |
| Vision(2 contracts, 2 carriers) | KAISER PERMANENTE | 688 | $2.1M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 930 | $358K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 930 | $358K |
| Prescription drug | HMAA | 1,371 | $5.4M |
| Other(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 930 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,049 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.