| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $48K | — | $48K | 4.97% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | USABLE LIFE | $36K | — | $36K | 10.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $1K | $23K | 10.59% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 9.11% |
| DAVID A. MOLENAAR3 | 1188 BISHOP ST., SUITE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.90% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $3K | — | $3K | 3.33% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $5K | $857 | $6K | 23.47% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUTE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $99 | $2K | 8.71% |
| 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 | $708 | — | $708 | 2.87% |
| 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 | $32 | — | $32 | 0.13% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $613 | $4K | 24.08% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $651 | $6 | $657 | 12.09% |
| 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 | $97 | — | $97 | 1.79% |
| DIRECT BENEFITS INC3 Filed as: DIRECT | — | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 30.00% |
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 | 1,378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 183 | $957K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,215 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,265 | $239K |
| Short-term disability | USABLE LIFE | 966 | $359K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $39K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 183 | $957K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,320 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.