| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST SUITE 1850 HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $483 | $2K | 6.77% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 | 9401 AMBERGLEN BLVD AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $107 | $107 | 0.38% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST SUITE 1850 HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $968 | — | $968 | 10.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $484 | $154 | $638 | 6.66% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 | 9401 AMBERGLEN BLVD AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38 | $38 | 0.40% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 569 | $3.1M |
| Dental | HAWAII DENTAL SERVICE | 576 | $231K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 569 | $3.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $38K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 569 | $3.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.