| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET SUITE 502 HONOLULU, HI 96817 | HMAA | $30K | — | $30K | 3.00% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET SUITE 502 HONOLULU, HI 96817 | KAISER | $7K | — | $7K | 3.40% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $9K | — | $9K | 13.38% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $92 | — | $92 | 0.13% |
| EMPLOYEE BENEFITS RESOURCE, INC.3 | 700 BISHOP STREET SUITE 502 HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $1K | — | $1K | 2.00% |
| 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 | $852 | — | $852 | 10.00% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $8 | — | $8 | 0.09% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $80 | — | $80 | — |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | GUARDIAN | $1 | — | $1 | — |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMAA | 147 | $1.2M |
| Dental | HAWAII DENTAL SERVICE | 134 | $69K |
| Vision(2 contracts, 2 carriers) | HMAA | 147 | $1.2M |
| Life insurance | GUARDIAN | 73 | $69K |
| Short-term disability(4 contracts) | GUARDIAN | 105 | $94K |
| Long-term disability | GUARDIAN | 73 | $69K |
| Prescription drug(2 contracts, 2 carriers) | HMAA | 147 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.