| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 968134116 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 3.36% |
| SERVCO INSURANCE SERVICES CORP3 | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 968134116 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 1.99% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 9.03% |
| MOLENAAR, DAVID A3 | 1188 BISHOP STREET SUITE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 4.86% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 700 BISHOP ST., SUITE 1400 HONLULU, HI 96813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
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 | 2,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 6,013 | $32.0M |
| Dental | HAWAII DENTAL SERVICE | 7,337 | $2.3M |
| Vision | VISION SERVICE PLAN | 2,564 | $427K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,793 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,673 | $531K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 6,013 | $32.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,793 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,337 | — |
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.