| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN PACIFIC INS | ATTENTION -NOREEN LOUIE 1585 KAPIOLANI BLVD STE 1215 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $41K | — | $41K | 15.00% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC CONSULTANTS, INC. | 1164 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.14% |
| THOMAS SHO KHORANA3 | 462 LUAKINI STREET HONOLULU, HI 96817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.86% |
| RYAN M GOO3 | 1164 BISHOP ST, STE 1200 HONOLULU, HI 968132816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN PACIFIC INS SVSC INC | 1585 KAPIOLANI BOULEVARD SUITE 1215 HONOLULU, HI 96814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| KAHIKINA CONSULTANTS INC3 | 68 KUMULAAU OHIA LOOP WAILUKU, HI 96793 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.23% |
| TYLER K PANG3 | 2510 RAINBOW DR HONOLULU, HI 96822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.07% |
| JASON C CRANE3 | 92-1219 HOOKEHA ST KAPOLEI, HI 967071533 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| STEPHEN H ARANIO3 Filed as: STEPHEN CHEN LONG FUNG | 1100 ALAKEA ST, STE 2600 HONOLULU, HI 968132848 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 700 BISHOP ST 700 BISHOP ST, STE 1400 HONOLULU, HI 96813 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.34% |
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 | 1,077 | 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) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,106 | $43K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,139 | $276K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 150 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.