| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII MEDICAL SERVICE ASSOCATION EIN 99-0040115 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.3M |
| HAWAII BENEFIT ADMINISTRATORS INC EIN 99-0329747 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $664K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Direct payment from the plan; Soft dollars commissions; Custodial (securities) Service code 19 | — | $165K |
| 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 | $133K |
| FOCUS INVESTMENTS NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 511 SAXONY PLACE, STE 101 ENCINITAS, CA 92024 | $98K |
| MILLIMAN EIN 91-1962982 NONE | Actuarial; Soft dollars commissions; Direct payment from the plan Service code 11 | — | $80K |
| SEGAL EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $36K |
| SHANLEY, A PROFESSIONAL CORPORATION NONE | Legal; Direct payment from the plan Service code 29 | 533 SOUTH FREEMONT AVE., 9TH FLOOR LOS ANGELES, CA 90071 | $32K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| MILLER SHEA, LLLC NONE | Legal; Direct payment from the plan Service code 29 | 1001 BISHOP STREET, SUITE 2920 HONOLULU, HI 96813 | $14K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 3,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 307 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,169 | 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 | 2,271 | $11.8M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE CO | 4,083 | $475K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE CO | 4,108 | $1.0M |
| Prescription drug | HMSA BLUE CROSS/BLUE SHIELD | 297 | $764K |
| Other | PACIFIC GUARDIAN LIFE INSURANCE CO | 4,083 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,108 | — |
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.