Kamehameha Schools

Honolulu, HI EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
667Participants+3% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 1Education in HIBy participants

Overview

Kamehameha Schools sponsors a self-funded health plan that covered 667 participants in plan year 2025, up 3% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
667 · prior year 650
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kamehameha Schools Retiree HRA Plan, plan 530 (667 participants)
Broker compensation
$181K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan, Inc.Medical, Prescription drug, Vision, HMO1,211$7.7M—
Hawaii Dental ServiceDental4,958$2.6M—
Hartford Life and AccidentAccidental Death and Dismemberment, Life, Long-term disability2,371$2.2M$133K
Hawaii Medical Service AssociationMedical, Prescription drug, Vision, HMO, PPO329$553K—
Unum Life Insurance Company of AmericaLong Term Care276$313K$47K
Employee Assistance of the Pacific, LLCEmployee Assistance Program3,309$56K—
Zurich American Insurance CompanyAccidental Death and Dismemberment, Busi3,448$9K$1K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.6M/ year

Estimated prescription spend: 667 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$101K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Kamehameha Schools
Sponsor EIN
99-0073480
Plan number
530
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 99-0073480 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kamehameha Schools 401(k) Retirement Savings Plan
Type
401(k) plan
Participants
3,606

About this data

Source: Kamehameha Schools's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Kamehameha Schools.

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