| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 1.95% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE INC. | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $670 | — | $670 | 5.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161 | $40 | $201 | 1.50% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HARTFORD LIFE AND ACCIDENT | $434 | — | $434 | 15.01% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 373 | $1.7M |
| Dental | HAWAII DENTAL SERVICE | 393 | $97K |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 373 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $13K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 373 | $1.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.