| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLAN ADMINISTRATORS3 Filed as: GROUP PLAN ADMINISTRATORS, INC. | 222 SOUTH VINEYARD STREET, PH4 HONOLULU, HI 96813 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | — | $3K | 5.00% |
| GROUP PLAN ADMINISTRATORS3 Filed as: GROUP PLAN ADMINISTRATORS, INC. | 222 SOUTH VINEYARD STREET, PH4 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP PLAN ADMINISTRATORS, INC. EIN 99-0187572 NONE | Plan Administrator Service code 14 | 222 SOUTH VINEYARD ST PH4 HONOLULU, HI 96813 | $77K |
| YOSHIDA & ASSOCIATES EIN 99-0337282 NONE | Legal Service code 29 | 737 BISHOP ST STE 2730 HONOLULU, HI 96813 | $14K |
| MC GROUP HAWAII, INC. EIN 27-3701730 NONE | Accounting (including auditing) Service code 10 | P.O. BOX 62030 HONOLULU, HI 96839 | $10K |
| CKW FINANCIAL GROUP LLC EIN 27-1156797 NONE | Investment management Service code 28 | 1003 BISHOP STREET HONOLULU, HI 96813 | $7K |
| GROUP PLAN ADMINISTRATOR, INC. EIN 99-0187572 NONE | Consulting (general) Service code 16 | 222 SOUTH VINEYAR ST PH4 HONOLULU, HI 96813 | $6K |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 467 | $2.3M |
| Dental | HAWAII DENTAL SERVICE | 222 | $0 |
| Vision | HMSA | 467 | $2.3M |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 328 | $55K |
| Prescription drug | HMSA | 467 | $2.3M |
| Stop-loss / reinsurancereinsurance | HMSA | 467 | $2.3M |
| Other | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 328 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.