| 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 ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $12K | — | $12K | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $5K | — | $5K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $6K | $27K | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC | INSURANCE SERVICES INC 700 BISHOP STE 1400 HONOLULU, HI 96813 | VISION SERVICE PLAN | $4K | — | $4K | 2.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.27% |
| VARIOUS - SEE ATTACHMENT3 | P O BOX 2300 HONOLULU, HI 96804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC/9T250 | INSURANCE SERVICES INC 700 BISHOP STREET STE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.34% |
| MARUYAMA & ASSOC INC3 | 800 S BERETANIA #260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | — | $255 | 0.46% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS C IOPT LLC | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 0.28% |
| AN MCCABE WANEE KIMBERLY3 | 74-5070 TOMI TOMI DRIVE KAILUAKONA, HI 96740 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.79% |
| MARUYAMA & ASSOC INC3 Filed as: MARUYAMA & ASSOCINC | 800 S BERETANIA #260 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET 14TH FLOOR HONOLULU, HI 96813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $363 | $4K | 16.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST STE 1400 HONOLULU, HI 96813 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 25.00% |
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 | 1,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 210 | $1.2M |
| Dental | HAWAII DENTAL SERVICE | 1,740 | $703K |
| Vision | VISION SERVICE PLAN | 899 | $143K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,091 | $434K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,160 | $94K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 210 | $1.2M |
| Other(8 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,100 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,740 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.