| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BTP HEALTH LLC3 | 45-428 IHILANI STREET KANEOHE, HI 96744 | HMAA | $330K | — | $330K | 5.98% |
| THE MILLIMAN AGENCY INC3 Filed as: MILLIMAN AGENCY, INC. | 1 PENN PLZ FL 38 NEW YORK, NY 10119 | HUMANA | $23K | — | $23K | 23.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HI IRON WORKERS ADMIN. OFFICE EIN 99-0164675 ADMIN OFFICE | Plan Administrator Service code 14 | 94-497 UKEE STREET WAIPAHU, HI 96797 | $148K |
| SINGERLEWAK LLP EIN 95-2302617 NONE | Accounting (including auditing) Service code 10 | 500 ALA MOANA BLVD., SUITE 2-302 HONOLULU, HI 96813 | $62K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Actuarial Service code 11 | 2175 N. CALIFORNIA BLVD. WALNUT CREEK, CA 94596 | $49K |
| RAYMOND JAMES EIN 59-1237041 NONE | Investment advisory (plan) Service code 27 | P.O. BOX 23641 ST. PETERSBURG, FL 33742 | $21K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Custodial (securities) Service code 19 | P.O. BOX 3708 HONOLULU, HI 96811 | $20K |
| YAMAMOTO CALIBOSO HETHERINGTON EIN 99-0155867 NONE | Legal Service code 29 | 1100 ALAKEA STREET, SUITE 3100 HONOLULU, HI 96813 | $16K |
| BANK OF HAWAII EIN 99-0040710 NONE | Investment management Service code 28 | P.O. BOX 3170 HONOLULU, HI 96802 | $13K |
| BOYD WATTERSON EIN 34-1922005 NONE | Investment management Service code 28 | 1301 EAST 9TH STREET, SUITE 2900 CLEVELAND, OH 441143179 | $10K |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HMAA | 994 | $7.4M |
| Dental | HAWAII DENTAL SERVICE | 1,598 | $764K |
| Vision(2 contracts, 2 carriers) | KAISER PERMANENTE | 499 | $1.8M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 689 | $277K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 689 | $277K |
| Prescription drug | HMAA | 994 | $5.5M |
| Other | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 689 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,598 | — |
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.