| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY ARIZONA INC | — | HUMANA | $29K | — | $29K | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HSMW ADMIN OFFICE EIN 99-0115396 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $308K |
| MILLER HOWARD EIN 14-1710657 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $111K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $101K |
| AFFINITY INVESTMENT GROUP EIN 33-0934127 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $82K |
| STONEBRIDGE ADVISORS LLC EIN 34-2027194 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $49K |
| SALTZMAN & JOHNSON LAW CORP EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| CENTRAL PACIFIC BANK EIN 99-0309010 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $33K |
| BANK OF HAWAII EIN 99-6006418 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $33K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $32K |
| BENESYS EIN 94-1503999 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $26K |
| JPMORGAN INVESTMENT MGMT EIN 13-3200244 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
| BROWN ADVISORY LLC EIN 26-4560299 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $21K |
| YOSHIDA & ASSOCIATES EIN 99-0337282 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $4K |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 352 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,259 | $5.9M |
| Dental | HAWAII DENTAL SERVICE | 1,708 | $771K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,259 | $5.9M |
| Short-term disability | USABLE LIFE | 451 | $162K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,259 | $5.9M |
| Stop-loss / reinsurancereinsurance | HAWAII MEDICAL SERVICE ASSOCIATION | 1,259 | $5.6M |
| Other | USABLE LIFE | 444 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,708 | — |
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.