| 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 | $1.9M |
| BENEFIT & RISK MGMT SVCS EIN 68-0306908 NONE | Accounting (including auditing); Plan Administrator Service code 10 | 560 N. NIMITZ HWY 209 HONOLULU, HI 96817 | $902K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | 900 FORT STREET MALL, SUITE 1900 HONOLULU, HI 968133705 | $335K |
| FIRST HAWAIIAN BANK EIN 99-6034327 NONE | Custodial (securities); Investment management Service code 19 | 999 BISHOP STREET HONOLULU, HI 96813 | $219K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Consulting (general) Service code 11 | 737 BISHO PSTREET, SUITE 2120 HONOLULU, HI 96813 | $213K |
| MCCRACKEN, STEMERMAN & HOLSBERRY, L EIN 94-1709555 NONE | Legal Service code 29 | 595 MARKET STREET, SUITE 800 SAN FRANCISCO, CA 94105 | $176K |
| HAWAII COMMUNITY HEALTH ALLIANCE EIN 61-1735460 NONE | Claims processing Service code 12 | PO BOX 3408 HONOLULU, HI 96801 | $151K |
| CHIROPLAN HAWAII, INC EIN 99-0321516 NONE | Other services Service code 49 | 711 KILANI AVE WAHIAWA, HI 96786 | $88K |
| PROVIDER NETWORK OF AMERICA NONE | Claims processing Service code 12 | — | $71K |
| LEMKE, CHINEN & TANAKA, CPA, INC EIN 99-0155373 NONE | Accounting (including auditing) Service code 10 | 500 ALA MOANA BLVD, SUITE 2-302 HONOLULU, HI 96813 | $52K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Consulting (general) Service code 16 | 420 EXCHANGE, SUITE 260 IRVINE, CA 92602 | $46K |
| EMPLOYEE ASSISTANCE OF THE PACIFIC EIN 90-0154915 NONE | Insurance services Service code 23 | 1221 KAPIOLANI BLVD, SUITE 730 HONOLULU, HI 96814 | $37K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | 550 W. WASHINGTON BLVD., STE. 900 CHICAGO, IL 60661 | $25K |
| PINEBRIDGE INVESTMENTS EIN 98-6079263 NONE | Investment management Service code 28 | 399 PARK AVENUE, 4TH FLOOR NEW YORK, NY 10022 | $16K |
| VOYA INVESTMENT TRUST COMPANY EIN 06-1440627 NONE | Investment management Service code 28 | ONE ORANGE WAY WINDSOR, CT 060954773 | $12K |
| WEINBERG ROGER ROSENFIELD EIN 94-3019439 NONE | Legal Service code 29 | 1099 ALAKEA ST 1602 HONOLULU, HI 96813 | $9K |
| OPTUMRX EIN 88-0361447 NONE | Other fees; Float revenue; Direct payment from the plan Service code 50 | 1600 KAPIOLANI BLVD SUITE 1322 HONOLULU, HI 96814 | $126 |
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 | 7,977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,519 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 7,007 | $50.0M |
| Dental | HAWAII DENTAL SERVICE | 5,849 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 7,007 | $42.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,007 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.