| 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 | $44K | — | $44K | 3.44% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES INC. | — | HAWAII MEDICAL SERVICE ASSOCIATION (HMSA) | — | $11K | $11K | 3.22% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE (HDS) | $3K | — | $3K | 3.07% |
| LUTZ, DANIEL3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $42 | — | $42 | 0.54% |
| KIKAWA, JANE3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | — | $4 | $4 | 0.05% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | 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 | 215 | $1.6M |
| Dental | HAWAII DENTAL SERVICE (HDS) | 162 | $101K |
| Life insurance(2 contracts) | USABLE LIFE | 14 | $22K |
| Other(2 contracts) | USABLE LIFE | 14 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.