| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 17.27% |
| GCG FINANCIAL LLC3 Filed as: ALERA-ADAMSON MCGOLDRICK INSURANCE | 1150 E ORANGETHORPE AVE PLACENTIA, CA 92870 | UNIVERSITY HEALTH ALLIANCE | $4K | — | $4K | 2.00% |
| KERSTEN, RICHARD IRA3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.83% |
| JAMESON PAUL DELGADILLO3 | MAUKA TOWER 737 BISHOP ST, STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $476 | $171 | $647 | 0.74% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $476 | $57 | $533 | 0.61% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $433 | — | $433 | 2.50% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $433 | — | $433 | 2.50% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 7.46% |
| MARY M MATTOS3 Filed as: MARY MATTOS | APT A 355 HUALANI ST KAILUA, HI 96734 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 7.46% |
| TOM STEWART IN SOL INC5 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2 | $2 | 0.32% |
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 | 5,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,899 | $41.1M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 5,244 | $3.1M |
| Vision(5 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,899 | $40.9M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,760 | $241K |
| Long-term disability | NORTHWESTERN MUTUAL | 180 | $87K |
| Prescription drug(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,899 | $41.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,760 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,760 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.