| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $53K | — | $53K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $150K | $71K | $221K | 7.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $4K | — | $4K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.13% |
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 | 9,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 630 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 139 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | HAWAII DENTAL SERVICE | 14,714 | $6.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,787 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,787 | $2.9M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 7,974 | $2.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,645 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,714 | — |
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."
No prospect flags tripped on this filing.