| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA-ADAMSON MCGOLDRICK INSURANCE | 1150 E ORANGETHORPE AVE PLACENTIA, CA 92870 | UNIVERSITY HEALTH ALLIANCE | $21K | — | $21K | 2.00% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | RELIASTAR LIFE INSURANCE COMPANY | $81K | — | $81K | 20.00% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.75% |
| KERSTEN, RICHARD IRA3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 6.19% |
| DELGADILLO HOLDINGS LLC3 | 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $620 | $74 | $694 | 0.64% |
| JAMESON PAUL DELGADILLO3 | MAUKA TOWER 737 BISHOP ST, STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $223 | $80 | $303 | 0.28% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $223 | $27 | $250 | 0.23% |
| RICHARD I KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $327 | $31 | $358 | 2.53% |
| MARY M MATTOS3 | 355 A HUALANI ST KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $327 | — | $327 | 2.31% |
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 | 7,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 3,452 | $54.9M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 6,258 | $3.3M |
| Vision(5 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 3,452 | $53.9M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 16,532 | $419K |
| Long-term disability | NORTHWESTERN MUTUAL | 208 | $108K |
| Prescription drug(6 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 3,452 | $54.9M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 16,532 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,532 | — |
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.