Form 5500 · Employee benefit plan · HONOLULU, HI
HAWAIIUSA FEDERAL CREDIT UNION
The filing calls this plan HAWAIIUSA FEDERAL CREDIT UNION EMPLOYEE BENEFITS PLAN.
HAWAIIUSA FEDERAL CREDIT UNION of HONOLULU, HI spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is ADVANTAGE INSURANCE SERVICES, INC.. Coverage is written through UNIVERSITY HEALTH ALLIANCE and 5 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-0073436 · plan 502 · plan year 2025, filed Nov 10, 2025
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4 other employer plans in Hawaii have policy years ending in May. 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
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with UNIVERSITY HEALTH ALLIANCE, covers 566 people.
Reported premium across the insured contracts is $4,832,643, with $141,424 in disclosed broker commissions — about 2.9% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
ADVANTAGE INSURANCE SERVICES, INC. is the broker of record on 6 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including UNIVERSITY HEALTH ALLIANCE, KAISER FOUNDATION HEALTH PLAN, INC., HAWAII DENTAL SERVICE and STANDARD INSURANCE COMPANY. UNIVERSITY HEALTH ALLIANCE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNIVERSITY HEALTH ALLIANCE | Health, Vision | 566 | Jun 1, 2025 | $3,266,893 | $90,104 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 133 | Jun 1, 2025 | $939,297 | $25,997 |
| STANDARD INSURANCE COMPANY | Life | 5,280 | Jun 1, 2025 | $140,513 | $12,118 |
| STANDARD INSURANCE COMPANY | Disability | 5,265 | Jun 1, 2025 | $104,573 | $6,274 |
| HAWAII DENTAL SERVICE | Dental | 339 | Jun 1, 2025 | $276,931 | $5,535 |
| USABLE LIFE | — | 196 | Jun 1, 2025 | $67,390 | $702 |
| USABLE LIFE | — | 153 | Jun 1, 2025 | $27,357 | $694 |
| WORKLIFE HAWAII | — | 377 | Sep 1, 2025 | $6,975 | $0 |
| USABLE LIFE | — | 9 | Jun 1, 2025 | $1,484 | $0 |
| USABLE LIFE | — | 2 | Jun 1, 2025 | $1,230 | $0 |
Premium and claims on these contracts
UNIVERSITY HEALTH ALLIANCE, contract 854B. For the contract year on this filing, the carrier reported $3,266,893 in premium earned and $2,421,813 in claims incurred. Dividing one by the other gives 74%.
STANDARD INSURANCE COMPANY, contract 145297. For the contract year on this filing, the carrier reported $140,513 in premium earned and $-1,833 in claims incurred. Dividing one by the other gives -1%.
STANDARD INSURANCE COMPANY, contract 145297. For the contract year on this filing, the carrier reported $104,573 in premium earned and $476 in claims incurred. Dividing one by the other gives 0%.
- UNIVERSITY HEALTH ALLIANCE, contract 854B reported $343,350 in retention.
- STANDARD INSURANCE COMPANY, contract 145297 reported $142,340 in retention.
- STANDARD INSURANCE COMPANY, contract 145297 reported $104,098 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. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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