Form 5500 · Employee benefit plan · HONOLULU, HI
ROYAL HAWAIIAN MOVERS, INC.
The filing calls this plan ROYAL HAWAIIAN MOVERS HEALTH AND WELFARE PLAN.
Public Form 5500 records show how ROYAL HAWAIIAN MOVERS, INC. of HONOLULU, HI, a transportation and logistics employer, structures its employee benefits. Its broker of record is ENHANCED BENEFITS. Coverage is written through UNIVERSITY HEALTH ALLIANCE and 2 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-0214118 · plan 501 · plan year 2025, filed Apr 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: death benefits.
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with UNIVERSITY HEALTH ALLIANCE, covers 250 people.
Reported premium across the insured contracts is $1,620,867, with $62,437 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
ENHANCED BENEFITS is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNIVERSITY HEALTH ALLIANCE, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and HAWAII DENTAL SERVICE. UNIVERSITY HEALTH ALLIANCE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 169 | Oct 1, 2025 | $170,194 | $33,428 |
| UNIVERSITY HEALTH ALLIANCE | Health, Vision | 250 | Oct 1, 2025 | $1,373,064 | $27,461 |
| HAWAII DENTAL SERVICE | Dental | 277 | Oct 1, 2025 | $77,609 | $1,548 |
Premium and claims on this contract
UNIVERSITY HEALTH ALLIANCE, contract 2429. For the contract year on this filing, the carrier reported $1,373,064 in premium earned and $1,226,112 in claims incurred. Dividing one by the other gives 89%.
- UNIVERSITY HEALTH ALLIANCE, contract 2429 reported $268,022 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.
Reported to OSHA
Reported to OSHA for 2025: 269 employees, 16 recordable cases, 323 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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