Form 5500 · Employee benefit plan · HONOLULU, HI
FCH ENTERPRISES, INC.
The filing calls this plan FCH ENTERPRISES, INC. HEALTH AND WELFARE PLAN.
FCH ENTERPRISES, INC. of HONOLULU, HI is a 1,504-participant hospitality and food service employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ATLAS INSURANCE AGENCY, INC.. Coverage is written through HMSA and 5 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-0115806 · plan 501 · plan year 2025, filed Dec 17, 2025
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7 other employer plans in Hawaii have policy years ending in February. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Disability: RELIANCE STANDARD LIFE INSURANCE COMPANY covers 72 of 1,504 participants (4.8%) on Schedule A.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life and disability; the largest, with HMSA, covers 505 people.
Reported premium across the insured contracts is $6,506,291, with $64,306 in disclosed broker commissions — about 1% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
ATLAS INSURANCE AGENCY, INC. is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including HMSA, KAISER FOUNDATION HEALTH PLAN OF HAWAII, HAWAII DENTAL SERVICE and EMPLOYEE ASSISTANCE OF THE PACIFIC, LLC. HMSA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HMSA | Health, Vision | 505 | Mar 1, 2025 | $4,273,708 | $36,293 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health, Vision | 328 | Mar 1, 2025 | $1,956,617 | $20,527 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 708 | Mar 1, 2025 | $18,319 | $2,748 |
| HAWAII DENTAL SERVICE | Dental | 607 | Mar 1, 2025 | $204,428 | $2,044 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 72 | Mar 1, 2025 | $17,641 | $1,764 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 708 | Mar 1, 2025 | $4,247 | $637 |
| HARTFORD FIRE INSURANCE COMPANY | — | 198 | Sep 1, 2024 | $1,500 | $225 |
| HAWAII DENTAL SERVICE | Dental | 20 | Mar 1, 2025 | $6,821 | $68 |
| EMPLOYEE ASSISTANCE OF THE PACIFIC, LLC | — | 1,770 | Jan 1, 2025 | $23,010 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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