West Hawaii Community Health Center
Updated Filing received by DOL
West Hawaii Community Health Center, a healthcare & social assistance employer in Kailua Kona, Hawaii, reported 412 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $36,540 in insurance premiums across 11 contracts and $170,545 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2026, before the deadline.
Who was paid on West Hawaii Community Health Center's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract West Hawaii Community Health Center filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Atlas Insurance Agency, Inc. · Honolulu, HI | $169,229 | $1,316 | $170,545 | 10 |
| Wiacg-Hi · Alpharetta, GA | $0 | $0 | $0 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Vision Service Planvision | 427 | $36,540 | $1,573 | 4.3% |
| The Lincoln National Life Insurance Companycoverage not coded | 136 | — | $2,542 | — |
| Unum Insurance Companycoverage not coded | 90 | — | $4,696 | — |
| Hartford Life and Accidentshort-term disability, long-term disability | 444 | — | $17,335 | — |
| Unum Insurance Companycoverage not coded | 106 | — | $5,394 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 107 | — | $335 | — |
| Unum Insurance Companycoverage not coded | 126 | — | $5,737 | — |
| Worklife Hawaiicoverage not coded | 442 | — | — | — |
| The Lincoln National Life Insurance Companylife | 434 | — | $3,572 | — |
| Hawaii Dental Servicedental | 775 | — | $9,442 | — |
| Hawaii Medical Service Associationhealth, prescription drug, HMO, PPO | 607 | — | $119,919 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How West Hawaii Community Health Center compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 440 | 412 | −6.4% |
| Premiums filed | $44,419 | $36,540 | not comparable |
| Broker commissions + fees | $165,114 | $170,545 | +3.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| West Hawaii Community Health Center Health and Welfare Plan#502 · insurance, general assets | December 31, 2025 | July 23, 2026 | before deadline | 412 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did West Hawaii Community Health Center pay in health insurance broker commissions in 2025?
West Hawaii Community Health Center's 2025 Form 5500 reports $170,545 in broker commissions and fees across 11 insurance contracts ($169,229 in commissions, $1,316 in fees), with Atlas Insurance Agency, Inc. receiving the largest share.
Is West Hawaii Community Health Center's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Hawaii Medical Service Association.
How does West Hawaii Community Health Center's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for West Hawaii Community Health Center because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.