| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII MEDICAL SERVICE ASSOCIATION EIN 99-0040115 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| HAWAII BENEFIT ADMINISTRATORS, INC. EIN 99-0329747 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $632K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $140K |
| RAYMOND JAMES & ASSOCIATES, INC. NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 1001 BISHOP STREET, SUITE 2920 HONOLULU, HI 96813 | $121K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $96K |
| FOCUS INVESTMENTS EIN 81-1193503 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $88K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $55K |
| SHANLEY, A PROFESSIONAL CORPORATION NONE | Legal; Direct payment from the plan Service code 29 | 533 SOUTH FREEMONT AVE., 9TH FLOOR LOS ANGELES, CA 90017 | $35K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Other services Service code 49 | — | $12K |
| SEGAL EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $9K |
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 | 3,634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 373 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,219 | $10.6M |
| Dental | HAWAII DENTAL SERVICE | 10,020 | $285K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE CO | 3,833 | $440K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE CO | 3,760 | $991K |
| Prescription drug | HMSA BLUE CROSS/BLUE SHIELD | 345 | $916K |
| Other | PACIFIC GUARDIAN LIFE INSURANCE CO | 3,833 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,020 | — |
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.