| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE3 | 201 MERCHANT ST. STE 1100 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $29K | — | $29K | 1.53% |
| MAURICE T NITTA3 Filed as: MAURICE NITTA | 98-487 KOAUKA LOOP #B204 AIEA, HI 96701 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $15K | — | $15K | 0.81% |
| GAVIN TOMA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $15K | — | $15K | 0.78% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $10K | — | $10K | 0.52% |
| ORI-GEN NOGUCHI, LLC DBA NOGUCHI &3 | 1314 S KING ST STE 560 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 0.12% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP ST STE 1003 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 0.06% |
| JIM FRENCH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $614 | — | $614 | 0.03% |
| ALOHA EMPLOYEE BENEFITS INSURANCE3 Filed as: ALOHA EMPLOYEE BENEFITS INSURANCE S | 77-153 HOOILINA CT. KAILUA-KONA, HI 96740 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $305 | — | $305 | 0.02% |
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $155 | — | $155 | 0.01% |
| KAYE CABACUNGAN3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $86 | — | $86 | 0.00% |
| BILL H.B. LEUNG3 | 1189 WAIMANU ST. STE 1409 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $60 | — | $60 | 0.00% |
| FINANCE INSURANCE LTD3 Filed as: FINANCE INSURANCE, LTD. | 1164 BISHOP ST STE 400 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $31 | — | $31 | 0.00% |
| HI INSURANCE & FINANCIAL SERVICES3 Filed as: HI INSURANCE & FINANCIAL SERVICES, | 1009 KAPIOLANI BLVD STE 2804 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $24 | — | $24 | 0.00% |
| ARI MATSUMURA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $11 | — | $11 | 0.00% |
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 | 384 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 496 | $1.9M |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 496 | $1.9M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 496 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.