| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, #1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $17K | — | $17K | 5.49% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICE INC | 1580 MAKALOA ST, STE 1220 HONOLULU, HI 96814 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $10K | $1 | $10K | 3.40% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, STE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $837 | — | $837 | 3.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1585 KAPIOLANI BLVD STE 1120 HONOLULU, HI 96814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1585 KAPIOLANI BLVD STE 1120 HONOLULU, HI 96814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $854 | — | $854 | 9.99% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 47 | $599K |
| Dental | HAWAII DENTAL SERVICE | 95 | $28K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 46 | $306K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $24K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 46 | $306K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.