| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $416 | — | $416 | 0.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF HAWAII | 201 MERCHANT ST, STE 2400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $281 | — | $281 | 0.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF HI | 201 MERCHANT ST, STE 2400 HONOLULU, HI 96813 | HARTFORD LIFE AND ACCIDENT | $2K | $80 | $2K | 8.88% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.53% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 201 MERCHANT ST, STE 1100 HONOLULU, HI 968132999 | VISION SERVICE PLAN | $1K | — | $1K | 10.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF HAWAII | 201 MERCHANT ST, STE 2400 HONOLULU, HI 96813 | VISION SERVICE PLAN | $715 | — | $715 | 5.72% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HMSA | 70 | $905K |
| Dental | HAWAII DENTAL SERVICE | 145 | $49K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 98 | $121K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 101 | $20K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 20 | $108K |
| Other | HARTFORD LIFE AND ACCIDENT | 101 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.