| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC3 Filed as: MILLIMAN AGENCY, INC. | 1 PENNSYLVANIA PLAZA FL 38 NEW YORK, NY 10119 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 11.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII MEDICAL SRVC ASSOCIATION EIN 99-0040115 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| HAWAII BENEFIT ADMINISTRATORS INC EIN 99-0329747 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $762K |
| HAWAII DENTAL SERVICE EIN 99-0107971 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $284K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Direct payment from the plan; Custodial (other than securities); Investment management fees paid indirectly by plan; Custodial (securities) Service code 18 | — | $203K |
| RAYMOND JAMES & ASSOCIATES, INC EIN 59-1237041 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $135K |
| FOCUS INVESTMENT ADVISORS INC EIN 81-1193503 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $104K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $100K |
| SMART SOURCE OF CALIFORNIA LLC NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 26001 PALA MISSION VIEJO, CA 92691 | $63K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $59K |
| SHANLEY, A PROFESSIONAL CORPORATION NONE | Legal; Direct payment from the plan Service code 29 | 533 S FREEMONT AVE 9TH FL LOS ANGELES, CA 90071 | $56K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| CARDINAL MAILING SERVICES EIN 99-0066443 NONE | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| SYSTEM DESIGN ASSOCIATES, INC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 900 S HIGHWAY DR STE 102 FENTON, MO 63026 | $25K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $13K |
| ACCESS INFORMATION MANAGEMENT EIN 51-0649265 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $9K |
| MILLER SHEA, LLC NONE | Legal; Direct payment from the plan Service code 29 | 1001 BISHOP ST STE 2925 HONOLULU, HI 96813 | $6K |
| MILLIMAN EIN 91-1962982 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $4K |
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 | 3,852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,250 | $12.1M |
| Dental | HAWAII DENTAL SERVICE | 269 | $111K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 4,057 | $474K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 4,016 | $1.1M |
| Other(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 4,057 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,057 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.