| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 11.25% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | COMBINED INSURANCE | $1K | — | $1K | 14.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | COMBINED INSURANCE | $576 | — | $576 | 7.76% |
| BRIAN E. JUND Filed as: BRIAN E JUND | 99 WOOD AVENUE SUITE 501 ISELIN, NJ 08830 | COMBINED INSURANCE | $111 | — | $111 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DRIVE, SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $203 | $365 | $568 | 13.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DRIVE, SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $78 | $78 | 1.92% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $482 | — | $482 | 12.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | TRANSAMERICA LIFE INSURANCE COMPANY | $271 | — | $271 | 7.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 503069207 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 0.54% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 52 | $492K |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 52 | $492K |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 52 | $492K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 8 | $4K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $37K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 52 | $492K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.