| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY ARIZONA INC | 1230 W WASHINGTON ST #501 TEMPE, AZ 852811248 | HUMANA | $58K | — | $58K | 9.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HSMW ADMIN OFFICE NONE | Plan Administrator; Direct payment from the plan Service code 14 | 1405 N. KING STREET, RM 403 HONOLULU, HI 96817 | $205K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $122K |
| CENTRAL PACIFIC BANK EIN 99-0309010 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $117K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $109K |
| MILLER HOWARD EIN 14-1710657 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $74K |
| AFFINITY INVESTMENT GROUP EIN 33-0934127 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $52K |
| STONEBRIDGE ADVISORS EIN 34-2027194 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $47K |
| SALTZMAN & JOHNSON LAW CORP EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| BANK OF HAWAII EIN 99-0033900 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $29K |
| BROWN ADVISORY LLC EIN 26-4560299 NONE | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $21K |
| WITHUM SMITH AND BROWN EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| BENESYS EIN 94-1503999 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| MORGAN STANLEY EIN 81-5465684 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $18K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
| JPMORGAN INVESTMENT MGMT EIN 13-3200244 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
| WEINBERG, ROGER, & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,311 | $6.3M |
| Dental | HAWAII DENTAL SERVICE | 1,725 | $780K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,311 | $6.3M |
| Life insurance | USABLE LIFE | 453 | $43K |
| Short-term disability | USABLE LIFE | 465 | $182K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,311 | $6.3M |
| Stop-loss / reinsurancereinsurance | HAWAII MEDICAL SERVICE ASSOCIATION | 1,311 | $6.0M |
| Other | USABLE LIFE | 453 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,725 | — |
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.