| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HMAA | $36K | — | $36K | 2.99% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | KAISER PERMANENTE | $9K | — | $9K | 3.57% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.00% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | THE HARTFORD | $3K | — | $3K | 12.60% |
| MARY M MATTOS3 | 355 A HUALANI STREET KAILUA, HI 96734 | THE HARTFORD | $526 | — | $526 | 2.40% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $5K | — | $5K | 21.75% |
| RICAHRD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM | $2K | — | $2K | 15.00% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| RICHARD KERSTEN3 Filed as: RICHARD KARSTEN | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $701 | — | $701 | 10.00% |
| RICHARD KERSTEN3 | 458 AULIMA LOOP KAILUA, HI 96734 | UNUM | $445 | — | $445 | 10.00% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $414 | — | $414 | 9.99% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $414 | — | $414 | 9.99% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $258 | — | $258 | 10.25% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $251 | — | $251 | 9.97% |
| WEALTH STRATEGY PARTNERS3 | 677 ALA MOANA BLVD., SUITE 705 HONOLULU, HI 96813 | GUARDIAN | $6 | — | $6 | 0.24% |
| RICHARD KERSTEN3 | 900 FORT STREET, SUITE 500 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE | $109 | — | $109 | 10.06% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $27 | — | $27 | 10.07% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 234 | $1.5M |
| Dental | HAWAII DENTAL SERVICE | 268 | $85K |
| Vision(2 contracts, 2 carriers) | HMAA | 234 | $1.5M |
| Life insurance(4 contracts, 3 carriers) | THE HARTFORD | 120 | $61K |
| Short-term disability(8 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE | 156 | $33K |
| Long-term disability | GUARDIAN | 120 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 234 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
No prospect flags tripped on this filing.