| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC | 737 BISHOP ST SUITE 2120 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $5K | — | $5K | 1.87% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE | 737 BISHOP ST STE 2120 HONOLULU, HI 96813 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.80% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE INC | 737 BISHOP STREET SUITE 2120 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.80% |
| PSH INSURANCE, INC.3 Filed as: PSH INSURANCE | 737 BISHOP ST STE 2120 HONOLULU, HI 96813 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.42% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 195 | $4.3M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 236 | $315K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $153K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $153K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.