Form 5500 · Employee benefit plan · HONOLULU, HI
HAWAII SHEET METAL WORKERS HEALTH & WELFARE TRUST FUND
The filing calls this plan HAWAII SHEET METAL WORKERS HEALTH & WELFARE TRUST.
HAWAII SHEET METAL WORKERS HEALTH & WELFARE TRUST FUND of HONOLULU, HI is a 812-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is SEGAL COMPANY ARIZONA INC. Coverage is written through HAWAII MEDICAL SERVICE ASSOCIATION and 4 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-6006418 · plan 501 · plan year 2025, filed Nov 17, 2025
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5 other employer plans in Hawaii have policy years ending in January. 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.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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, dental, vision, disability and stop-loss; the largest, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 1,259 people.
The filing declares health, dental, vision, disability and life. Life appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $7,422,581, with $29,455 in disclosed broker commissions — about 0.4% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HUMANA INSURANCE COMPANY | Health | 273 | Feb 1, 2025 | $544,497 | $29,455 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Vision, Stop-loss | 1,259 | Feb 1, 2025 | $5,635,346 | $0 |
| HAWAII DENTAL SERVICE | Dental | 1,708 | Feb 1, 2025 | $770,543 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health, Vision | 78 | Feb 1, 2025 | $271,608 | $0 |
| USABLE LIFE | Disability | 451 | Feb 1, 2025 | $162,403 | $0 |
| USABLE LIFE | — | 444 | Feb 1, 2025 | $38,184 | $0 |
Premium and claims on these contracts
HAWAII MEDICAL SERVICE ASSOCIATION, contract 24136-1. For the contract year on this filing, the carrier reported $5,635,346 in premium earned and $6,195,249 in claims incurred. Dividing one by the other gives 110%.
HAWAII DENTAL SERVICE, contract GROUP 38. For the contract year on this filing, the carrier reported $770,543 in premium earned and $664,933 in claims incurred. Dividing one by the other gives 86%.
- HAWAII MEDICAL SERVICE ASSOCIATION, contract 24136-1 reported $826,967 in retention.
- HAWAII DENTAL SERVICE, contract GROUP 38 reported $84,760 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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Renewal calendar
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