| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $31K | $0 | $31K | 3.15% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO INSURANCE SERVICES CORP. | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $26K | $0 | $26K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $2K | $0 | $2K | 0.37% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $4K | $58K | 10.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | $0 | $2K | 2.00% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 159 | $1.7M |
| Dental | HAWAII DENTAL SERVICE | 269 | $99K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 159 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $544K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 159 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.