| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET STE 1100 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $19K | — | $19K | 0.50% |
| NOGUCHI & ASSOCIATES INC.3 | — | HAWAII MEDICAL SERVICE ASSOCIATION | — | $70K | $70K | 2.74% |
| ORI-GEN NOGUCHI, LLC DBA NOGUCHI &3 Filed as: ORI-GEN NOGUCHI LLC | 1314 S KING ST SUITE 560 HONOLULU, HI 96814 | KAISER FOUNDATION HEALTH PLAN HAWAII | $27K | $33 | $27K | 2.30% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN HAWAII | $13K | — | $13K | 1.15% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $6K | — | $6K | 1.00% |
| NOGUCHI & ASSOCIATES INC.3 | 1314 S KING ST SUITE 560 HONOLULU, HI 96814 | HAWAII DENTAL SERVICE | $4K | — | $4K | 0.75% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 201 MERCHANT STREET, SUITE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $7K | — | $7K | 4.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT STREET STE 1100 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $4K | — | $4K | 4.00% |
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 | 851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,209 | $7.4M |
| Dental | HAWAII DENTAL SERVICE | 1,357 | $568K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,208 | $4.8M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,274 | $107K |
| Long-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,288 | $182K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,208 | $4.8M |
| Other(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 1,274 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,357 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.