| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE BEYMER3 | 737 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $8K | — | $8K | 1.00% |
| GRACE BEYMER3 | 737 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $225 | — | $225 | 0.03% |
| ANALIPO INSURANCE SERVICES, LLC3 | PO BOX 689 KEALAKEKUA, HI 96750 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $115 | — | $115 | 0.01% |
| PROINSURANCE HAWAII, LLC3 | 4348 WAIALAE AVENUE SUITE 101 HONOLULU, HI 96816 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $54 | — | $54 | 0.01% |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 359 | $785K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 359 | $785K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 359 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.