| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| P.S.H. INSURANCE, INC.3 | 737 BISHOP ST., #2120 HONOLULU, HI 96813 | HMAA | $41K | — | $41K | 2.97% |
| PSH INSURANCE, INC.3 | 737 BISHOP ST., #2120 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 3.47% |
| PSH INSURANCE, INC.3 | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | — | $3K | 2.24% |
| LIANE CHONG3 | SUITE 222 765 AMANA ST HONOLULU, HI 96814 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 11.76% |
| AMERICAN MUTUAL UNDERWRITERS LTD3 | SUITE 1000 1357 KAPIOLANI BLVD HONOLULU, HI 96814 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.94% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.04% |
| P.S.H. INSURANCE, INC.3 | 737 BISHOP ST., #2120 HONOLULU, HI 96813 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.64% |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HMAA | 439 | $2.5M |
| Dental(2 contracts, 2 carriers) | TAKECARE | 439 | $774K |
| Vision(4 contracts, 4 carriers) | HMAA | 439 | $2.5M |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 267 | $113K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 267 | $113K |
| Prescription drug(4 contracts, 4 carriers) | HMAA | 439 | $2.5M |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 267 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.