| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $27K | — | $27K | 3.50% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICE, INC | 1580 MAKALOA ST STE 1220 HONOLULU, HI 96814 | HMSA | $3K | — | $3K | 2.49% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET SUITE 1220 HONOLULU, HI 96814 | HDS HAWAII DENTAL SERVICE | $2K | — | $2K | 3.00% |
| CHERYL ARCHER3 | 91-2036 KANELA ST EWA BEACH, HI 96706 | USABLE LIFE | $242 | — | $242 | 2.09% |
| KRISTI KATAYAMA3 | 98-1716 IPUALA LOOP AIEA, HI 96701 | USABLE LIFE | $17 | — | $17 | 0.15% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 191 | $893K |
| Dental | HDS HAWAII DENTAL SERVICE | 168 | $67K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 33 | $13K |
| Short-term disability | USABLE LIFE | 33 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.