| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $30K | — | $30K | 1.73% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | USABLE LIFE | $40K | — | $40K | 10.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| AGIS NETWORK INSURANCE SERVICE3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 9.99% |
| DAVID A. MOLENAAR3 | 1188 BISHOP ST., SUITE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.38% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $3K | — | $3K | 3.18% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 25.60% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $5K | $821 | $5K | 23.72% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUTE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $656 | $13 | $669 | 3.45% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $577 | — | $577 | 2.97% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY INC. | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.13% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | — | $49 | 1.57% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 1.19% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 168 | $1.8M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,351 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,294 | $305K |
| Short-term disability | USABLE LIFE | 1,016 | $399K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 566 | $26K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 168 | $1.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,595 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,595 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.