| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC | — | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | — | HAWAII DENTAL SERVICE | $107 | $0 | $107 | 0.00% |
| TIMA TAMZEN3 Filed as: TIMA-HIU, TAMZEN | P.O. BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $3K | $0 | $3K | 2.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES EIN 68-0306908 NONE | Contract Administrator; Direct payment from the plan; Consulting (pension) Service code 13 | — | $122K |
| THE SEGAL COMPANY (WESTERN STATES) EIN 94-1503999 NONE | Consulting (pension); Consulting (general); Direct payment from the plan Service code 16 | — | $81K |
| BPS | Consulting (pension); Direct payment from the plan; Consulting (general) Service code 16 | — | $79K |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $50K |
| YAMAMOTO, CALIBOSO & HETHERINGTON EIN 20-5115756 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| LEONARD CARDER, LLP EIN 94-2819269 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| CW ASSOCIATES, CPA'S EIN 26-1659234 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (directed); Other investment fees and expenses Service code 21 | — | $4K |
| GOEAS GROUP RAYMOND JAMES NONE | Consulting (general); Consulting (pension); Direct payment from the plan Service code 16 | — | $2K |
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 | 848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 412 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 152 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | 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 | 512 | $4.3M |
| Dental | HAWAII DENTAL SERVICE | 1,521 | $2.7M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 512 | $4.3M |
| Life insurance | USABLE LIFE | 118 | $118K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 512 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.