Form 5500 · Employee benefit plan · HONOLULU, HI
FINANCE FACTORS LTD
The filing calls this plan FINANCE FACTORS HEALTH & WELFARE PLAN.
FINANCE FACTORS LTD of HONOLULU, HI is a 146-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is FINANCE INSURANCE, LTD.. Coverage is written through HAWAII MEDICAL SERVICE ASSOCIATION and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-0077649 · plan 501 · plan year 2025, filed Jul 28, 2026
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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
Also declared: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 60 people.
Reported premium across the insured contracts is $1,239,852, with $75 in disclosed broker commissions — about 0% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
FINANCE INSURANCE, LTD. is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HAWAII MEDICAL SERVICE ASSOCIATION, KAISER FOUNDATION HEALTH PLAN, INC., HAWAII DENTAL SERVICES and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY. HAWAII MEDICAL SERVICE ASSOCIATION writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | — | 9 | Jan 1, 2026 | $503 | $75 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Vision | 60 | Jan 1, 2026 | $608,983 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 69 | Jan 1, 2026 | $505,980 | $0 |
| HAWAII DENTAL SERVICES | Dental | 165 | Jan 1, 2026 | $72,732 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 135 | Jan 1, 2026 | $51,654 | $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.
Other plans filed by this employer
How this plan compares
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