Form 5500 · Employee benefit plan · HONOLULU, HI
HAWAII LABORERS' HEALTH & WELFARE FUND
HAWAII LABORERS' HEALTH & WELFARE FUND of HONOLULU, HI spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MILLIMAN AGENCY, INC.. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF HAWAII and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-6014749 · plan 501 · plan year 2025, filed Jun 15, 2026
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217 other employer plans in Hawaii have policy years ending in December. 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 plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
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 6 insured contracts covering health, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN OF HAWAII, covers 2,566 people.
The filing declares health, life, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $17,209,741, with $88,796 in disclosed broker commissions — about 0.5% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
MILLIMAN AGENCY, INC. is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HUMANA INSURANCE COMPANY | Health | 756 | Jan 1, 2025 | $1,070,462 | $88,796 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 2,566 | Sep 1, 2025 | $13,808,772 | $0 |
| PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | Disability | 2,551 | Jan 1, 2025 | $837,732 | $0 |
| BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | Health | — | Jan 1, 2025 | $705,031 | $0 |
| PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | Life | 3,285 | Sep 1, 2025 | $471,617 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 0 | Jan 1, 2025 | $316,127 | $0 |
Premium and claims on these contracts
PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD., contract 40310. For the contract year on this filing, the carrier reported $837,732 in premium earned and $690,754 in claims incurred. Dividing one by the other gives 82%.
PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD., contract 40310. For the contract year on this filing, the carrier reported $471,617 in premium earned and $480,149 in claims incurred. Dividing one by the other gives 102%.
- PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD., contract 40310 reported $70,705 in retention.
- PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD., contract 40310 reported $47,161 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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