| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS | PO BOX 749140 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $202K | $81K | $282K | 7.76% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $158K | $0 | $158K | 18.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS | PO BOX 749140 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $0 | $20K | $20K | 2.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | PO BOX 749140 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $11K | $0 | $11K | 4.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 3.39% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 2.22% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.61% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FLORIDA, INC. | 5900 NORTH ANDREWS LANE SUITE 401 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | $0 | $702 | $702 | 0.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS | $0 | $220 | $220 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN LONE STAR INS SVCS | 14285 MIDWAY ROAD SUITE 100 ADDISON, TX 75001 | METLIFE LEGAL PLANS | $0 | $30 | $30 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | $2K | $2K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | $0 | $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 | 11,677 | 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) | 11,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 377 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,659 | $4.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,659 | $3.6M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 377 | $2.9M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,677 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,677 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.