| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $11K | — | $11K | 1.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | USABLE LIFE | $2K | — | $2K | 7.62% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $1K | — | $1K | 4.78% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $1K | — | $1K | 6.69% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | USABLE LIFE | $747 | — | $747 | 3.43% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | USABLE LIFE | $2K | — | $2K | 7.54% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $1K | — | $1K | 5.40% |
| MILES TAKAHASHI3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $323 | — | $323 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 733 BISHOP STREET SUITE 1555 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $471 | — | $471 | 2.55% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $130 | — | $130 | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 733 BISHOP STREET SUITE 1555 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $476 | — | $476 | 2.63% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $111 | — | $111 | 0.61% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $487 | — | $487 | 9.96% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES, INC | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | USABLE LIFE | $255 | — | $255 | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 733 BISHOP STREET SUITE 1555 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $94 | — | $94 | 2.59% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $22 | — | $22 | 0.61% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 208 | $1.1M |
| Dental(3 contracts) | HAWAII DENTAL SERVICE | 50 | $40K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 208 | $1.1M |
| Life insurance | USABLE LIFE | 160 | $5K |
| Short-term disability(2 contracts) | USABLE LIFE | 84 | $45K |
| Long-term disability | USABLE LIFE | 160 | $22K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 208 | $1.1M |
| Other | USABLE LIFE | 160 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.