| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 1132 BISHOP STREET, SUITE 1600 HONOLULU, HI 96813 | UHA HEALTH INSURANCE | $20K | — | $20K | 2.25% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET SUITE 1220 HONOLULU, HI 96814 | UHA HEALTH INSURANCE | $11K | — | $11K | 1.25% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY INC | 1132 BISHOP ST. #1600 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $10K | $70 | $10K | 3.33% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICE INC | 1580 MAKALOA ST, SUITE 1220 HONOLULU, HI 96814 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 0.52% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS LNSURANCE AGENCY, INC | 1132 BISHOP STREEFSUITE 1600 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $2K | — | $2K | 1.87% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220, HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $720 | — | $720 | 0.63% |
| LINDA POSTO3 Filed as: LINDA J. POSTO | 1018 MOKUHANO ST. HONOLULU, HI 96825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.32% |
| LINDA POSTO3 Filed as: LINDA J. POSTO | 1018 MOKUHANO ST. HONOLULU, HI 96825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.56% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UHA HEALTH INSURANCE | 214 | $1.2M |
| Dental | HAWAII DENTAL SERVICE | 277 | $115K |
| Vision(2 contracts, 2 carriers) | UHA HEALTH INSURANCE | 214 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Prescription drug(2 contracts, 2 carriers) | UHA HEALTH INSURANCE | 214 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.