| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PACIFIC GUARDIAN LIFE | 1440 KAPIOLANI BLVD., NO. 1700 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $51K | — | $51K | 15.00% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC CONSULTANTS, INC. | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 17.26% |
| RYAN M GOO3 | 1164 BISHOP ST, STE 1200 HONOLULU, HI 968132816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.66% |
| JASON C CRANE3 | 92-1219 HOOKEHA ST KAPOLEI, HI 967071533 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 9.02% |
| THOMAS SHO KHORANA3 | 462 LUAKINI STREET HONOLULU, HI 96817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 6.76% |
| KAHIKINA CONSULTANTS INC3 | 68 KUMULAAU OHIA LOOP WAILUKU, HI 96793 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.98% |
| TYLER K PANG3 | 2510 RAINBOW DR HONOLULU, HI 96822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS SVSC INC | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| GREGORY JAMES KM JUAN3 | 68 KUMULAAU OHIA LP WAILUKU, HI 96793 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| STEPHEN H ARANIO3 Filed as: STEPHEN CHEN LONG FUNG | 1100 ALAKEA ST, STE 2600 HONOLULU, HI 968132848 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS | ATTENTION -NOREEN LOUIE 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | — | $3K | 7.51% |
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 | 1,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,049 | $40K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,066 | $342K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,049 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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.