| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN SOLUTIONS, INC. | 615 PIIKOI STREET, SUITE 301 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $2K | $0 | $2K | 5.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RISK MANAGEMENT SERVICES EIN 68-0306908 NONE | Contract Administrator Service code 13 | 560 N NIMITZ HWY, STE 209 HONOLULU, HI 96817 | $322K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Claims processing Service code 12 | 700 BISHOP STREET, STE 700 HONOLULU, HI 96813 | $122K |
| HARRIS RESOURCES, PC EIN 75-2793010 NONE | Consulting (general) Service code 16 | 18032 ROCK BRANCH DR. DALLAS, TX 75287 | $105K |
| EXPRESS SCRIPTS INC EIN 43-1420563 | Claims processing Service code 12 | 100 PARSONS POND DR FRANKLIN LAKES, NJ 07417 | $62K |
| SINGERLEWAK, LLP EIN 99-2302617 NONE | Accounting (including auditing) Service code 10 | 500 ALA MOANA BLVD. 2-302 HONOLULU, HI 96813 | $48K |
| FIRST HAWAIIAN BANK EIN 99-0346772 NONE | Custodial (securities); Investment management Service code 19 | 999 BISHOP STREET, STE 2806 HONOLULU, HI 96813 | $47K |
| YEE AND KAWASHIMA LLLP EIN 47-3636548 NONE | Legal Service code 29 | 1000 BISHOP ST., STE 908 HONOLULU, HI 96813 | $35K |
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 | 2,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 590 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 5,132 | $37.4M |
| Vision | VISION SERVICE PLAN | 2,838 | $235K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 2,360 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,132 | — |
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.