| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN OF HAWAII | — | — | $0 | 0.00% |
| THE MILLIMAN AGENCY INC3 Filed as: MILLIMAN AGENCY, INC. | 1 PENN PLZ FL 38 NEW YORK, NY 10119 | HUMANA | $89K | — | $89K | 8.29% |
| TLC INS GROUP INC3 | 8775 E MARKET ST WARREN, OH 444842363 | HUMANA | $75 | — | $75 | 0.01% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR KINGSTOWN, RI 028527445 | HUMANA | $21 | — | $21 | 0.00% |
| NONE | — | PACIFIC GUARDIAN LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| NONE | — | PACIFIC GUARDIAN LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| NONE | — | HAWAII MEDICAL SERVICE ASSOCIATION | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC ADMINISTRATORS INC EIN 99-0351671 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.3M |
| YOSHIDA AND ASSOCIATES EIN 99-0337282 NONE | Legal; Direct payment from the plan Service code 29 | — | $167K |
| HAWAII DENTAL EIN 99-0107971 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $159K |
| MILLIMAN EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $157K |
| RAYMOND JAMES EIN 94-3249244 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $98K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Trustee (directed); Investment management fees paid directly by plan Service code 25 | — | $96K |
| BENEFIT PLAN SOLUTIONS INC EIN 20-5370318 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $79K |
| FOCUS INVESTMENT ADVISORS EIN 33-0606466 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $56K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| PA LOGIC SYSTEM NONE | Direct payment from the plan; Claims processing Service code 12 | 1550 PUMPHREY AVENUE AUBURN, AL 36832 | $30K |
| OPTUM RX EIN 41-1584205 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $23K |
| BANK OF HAWAII EIN 99-0210467 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $16K |
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 | 2,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 774 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA | 756 | $2.1M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE CO. | 3,285 | $472K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE CO. | 2,551 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,285 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.