| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON3 | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Claims processing Service code 12 | 1123 PARK VIEW DRIVE, SUITE 200 COVINA, CA 91724 | $2.1M |
| BENEFIT & RISK MGMT SVCS EIN 68-0306908 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 560 N. NIMITZ HWY 209 HONOLULU, HI 96817 | $922K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | 900 FORT STREET MALL, SUITE 1900 HONOLULU, HI 968133705 | $340K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial Service code 11 | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | $327K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Investment management Service code 28 | 999 BISHOP STREET HONOLULU, HI 96813 | $294K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 | Other services Service code 49 | 1 EXPRESS WAY ST LOUIS, MO 63121 | $209K |
| HAWAII COMMUNITY HEALTH ALLIANCE EIN 61-1735460 NONE | Claims processing Service code 12 | PO BOX 3408 HONOLULU, HI 96801 | $159K |
| PROVIDER NETWORK OF AMERICA NONE | Claims processing Service code 12 | 1600 W BROADWAY ROAD SUITE 300 TEMPE, AZ 85282 | $126K |
| CHIROPLAN HAWAII, INC EIN 99-0321516 NONE | Other services Service code 49 | 711 KILANI AVE WAHIAWA, HI 96786 | $90K |
| MCCRACKEN, STEMERMAN & HOLSBERRY, L EIN 94-1709555 NONE | Legal Service code 29 | 595 MARKET STREET, SUITE 800 SAN FRANCISCO, CA 94105 | $74K |
| STERLING ADMINISTRATION EIN 84-1637046 NONE | Contract Administrator Service code 13 | P.O. BOX 71107 OAKLAND, CA 94612 | $60K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Accounting (including auditing) Service code 10 | 180 HOWARD STREET SUITE 1100 SAN FRANCISCO, CA 941056147 | $57K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Consulting (general) Service code 16 | 420 EXCHANGE, SUITE 260 IRVINE, CA 92602 | $57K |
| SINGERLEWAK LLP EIN 95-2302617 NONE | Accounting (including auditing) Service code 10 | 500 ALA MOANA BLVD, SUITE 2-302 HONOLULU, HI 96813 | $54K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | 550 W. WASHINGTON BLVD., STE. 900 CHICAGO, IL 60661 | $43K |
| NAKASHIMA CHING LLC NONE | Legal Service code 29 | 737 BISHOP STREET, SUITE 2090 HONOLULU, HI 96813 | $19K |
| FRSECURE LLC NONE | Consulting (general) Service code 16 | 6550 YORK AVE S, SUITE 500 EDINA, MN 55435 | $12K |
| YEE & KAWASHIMA LLLP EIN 47-3636548 NONE | Legal Service code 29 | 1000 BISHOP STREET SUITE 908 HONOLULU, HI 96813 | $9K |
| PINEBRIDGE INVESTMENTS EIN 98-6079263 NONE | Investment management Service code 28 | 399 PARK AVENUE, 4TH FLOOR NEW YORK, NY 10022 | $0 |
| VOYA INVESTMENT TRUST COMPANY EIN 06-1440627 NONE | Investment management Service code 28 | ONE ORANGE WAY WINDSOR, CT 060954773 | $0 |
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 | 8,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,583 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 7,092 | $52.2M |
| Dental | HAWAII DENTAL SERVICE | 4,284 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 7,092 | $47.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,092 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.