| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE OF AMERICA | $236K | $94K | $331K | 7.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $14K | $3K | $16K | 7.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $15K | $98 | $15K | 7.19% |
| BENEFITFOCUS.COM, INC.3 | DEPT 3383, PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $789 | $789 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $16K | — | $16K | 18.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | AIG PROPERTY CASUALTY, U.S. | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | AIG PROPERTY CASUALTY, U.S. | $0 | $2K | $2K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 12,799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 621 | $2.8M |
| Vision | VISION SERVICE PLAN | 6,180 | $85K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 13,430 | $5.2M |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 13,430 | $4.7M |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 13,430 | $4.7M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 621 | $2.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE OF AMERICA | 13,430 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,430 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.