Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
HealthRxVisionHMOPPO | HealthRxVisionHMOPPO | Pro |
HealthRxVisionHMO | HealthRxVisionHMO | Pro |
Broker: Hawaii Medical Service Assocatiion Life | Life | Pro |
Broker: Brown & Brown Insurance Svcs, Inc Dental | Dental | Pro |
See premium, retention and renewal dates for 4 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII DENTAL SERVICE EIN 99-0107971 | Claims processing Service code 12 | — | $146K |
| BENEFIT & RISK MANAGEMENT SERVICES EIN 68-0306908 NONE | Contract Administrator; Consulting (pension); Direct payment from the plan Service code 13 | — | $103K |
| BPS | Consulting (pension); Direct payment from the plan; Consulting (general) Service code 16 | — | $79K |
| THE SEGAL COMPANY (WESTERN STATES) EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general); Consulting (pension) Service code 16 | — | $73K |
| LEONARD CARDER, LLP EIN 94-2819269 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $21K |
| YAMAMOTO, CALIBOSO & HETHERINGTON EIN 20-5115756 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| CW ASSOCIATES, CPA'S EIN 26-1659234 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| GOEAS GROUP RAYMOND JAMES NONE | Consulting (general); Direct payment from the plan; Consulting (pension) Service code 16 | — | $6K |
| FIRST HAWAIIAN BANK EIN 99-0034327 NONE | Trustee (directed); Other investment fees and expenses; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 414 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 163 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,268 | $67.3M |
| Dental | HAWAII DENTAL SERVICE | 95 | $60K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,268 | $67.3M |
| Life insurance | USABLE LIFE | 736 | $4.4M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,268 | $67.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,268 | — |
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.