| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN SOLUTIONS, INC.3 | 680 IWILEI ROAD, STE 528 HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $11K | — | $11K | 0.96% |
| BENEFIT PLAN SOLUTIONS, INC.3 | 680 IWILEI ROAD, STE 528 HONOLULU, HI 96817 | PACIFIC GUARDIAN LIFE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MASONS AND PLASTERERS ADMIN OFFICE EIN 99-0224301 NONE | Contract Administrator Service code 13 | 2251 NORTH SCHOOL STREET HONOLULU, HI 96819 | $387K |
| FUJIKAWA & YASUNAGA EIN 99-0129097 NONE | Legal Service code 29 | 615 PIIKOI STREET, PH 1 HONOLULU, HI 96814 | $107K |
| LEMKE, CHINEN & TANAKA CPA, INC EIN 99-0155373 NONE | Accounting (including auditing) Service code 10 | 210 WARD AVENUE, SUITE 336 HONOLULU, HI 96814 | $86K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Custodial (securities); Investment management Service code 19 | P.O. BOX 3708 HONOLULU, HI 96811 | $63K |
| BENEFIT PLAN SOLUTIONS, INC EIN 99-0114097 NONE | Consulting (general) Service code 16 | 680 IWILEI ROAD, 528 HONOLULU, HI 96817 | $58K |
| WELLS FARGO ADVISORS LLC EIN 34-1542819 NONE | Investment advisory (plan) Service code 27 | 1001 BISHOP STREET, SUITE 1900 HONOLULU, HI 96813 | $20K |
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 | 1,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 370 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,864 | $11.3M |
| Dental | HAWAII DENTAL SERVICE | 3,869 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,269 | $67K |
| Life insurance | PACIFIC GUARDIAN LIFE | 1,424 | $324K |
| Short-term disability | PACIFIC GUARDIAN LIFE | 1,424 | $324K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2,864 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,869 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.