| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCSWEENY INSURANCE & FINANCIAL SVCS3 | P.O. BOX 100 SEAL BEACH, CA 90740 | UNIVERSITY HEALTH ALLIANCE | $22K | — | $22K | 3.50% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 17.31% |
| KERSTEN, RICHARD IRA3 | PIONEER PLAZA 900 FORT ST MALL, STE 500 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 8.68% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $820 | $98 | $918 | 1.31% |
| JAMESON PAUL DELGADILLO3 | PIONEER PLAZA 900 FORT ST MALL STE 500 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $98 | $35 | $133 | 0.19% |
| THOMAS JOSEPH MCTIGUE3 | PIONEER PLAZA 900 FORT ST MALL STE 500 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $53 | $19 | $72 | 0.10% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $355 | — | $355 | 2.50% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $355 | — | $355 | 2.50% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 7.48% |
| MARY M MATTOS3 Filed as: MARY MATTOS | APT A 355 HUALANI ST KAILUA, HI 96734 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 7.48% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.25% |
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 | 5,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,644 | $37.4M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 4,684 | $2.7M |
| Vision(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,644 | $37.4M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,646 | $247K |
| Long-term disability | NORTHWESTERN MUTUAL | 182 | $70K |
| Prescription drug(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,644 | $37.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,646 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,646 | — |
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."
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.