| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN OF HAWAII | — | — | $0 | 0.00% |
| NONE | — | HAWAII MEDICAL SERVICE ASSOCIATION | — | — | $0 | 0.00% |
| NONE0 | — | THE UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | PACIFIC GUARDIAN LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| NONE | — | PACIFIC GUARDIAN LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC ADMINISTRATORS INC EIN 99-0351671 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.4M |
| MILLIMAN EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $190K |
| HC MANAGEMENT PROGRAM EXPENSES EIN 99-6014749 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| RAYMOND JAMES EIN 94-3249244 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $73K |
| YOSHIDA AND ASSOCIATES EIN 99-0337282 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| WEINBERG, ROGER, & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $53K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $49K |
| FOCUS INVESTMENT ADVISORS EIN 33-0606466 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $46K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Investment management fees paid directly by plan; Trustee (directed) Service code 25 | — | $41K |
| CENTRAL PACIFIC BANK EIN 39-2068708 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $34K |
| BANK OF HAWAII EIN 99-0210467 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
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 | 2,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 787 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 794 | $2.5M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE CO. | 3,167 | $429K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE CO. | 2,432 | $845K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,167 | — |
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.