| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HMAA | $34K | — | $34K | 2.95% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | KAISER PERMANENTE | $9K | — | $9K | 3.53% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $11K | — | $11K | 13.56% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 677 ALA MOANA BLVD, SUITE 705 HONOLULU, HI 96813 | GUARDIAN | $39 | — | $39 | 0.05% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET, SUITE 502 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE, INC. | $2K | — | $2K | 2.18% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $2K | — | $2K | 10.00% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $860 | — | $860 | 10.00% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 677 ALA MOANA BLVD, SUITE 705 HONOLULU, HI 96813 | GUARDIAN | $8 | — | $8 | 0.09% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $65 | — | $65 | 9.98% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 677 ALA MOANA BLVD, SUITE 705 HONOLULU, HI 96813 | GUARDIAN | $1 | — | $1 | 0.15% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 113 | $1.4M |
| Dental | HAWAII DENTAL SERVICE, INC. | 148 | $71K |
| Vision(2 contracts, 2 carriers) | HMAA | 113 | $1.4M |
| Short-term disability(4 contracts) | GUARDIAN | 121 | $109K |
| Long-term disability | GUARDIAN | 89 | $84K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 113 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.