| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD, SUITE 1200 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $490 | $2K | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $68K | $11K | $79K | 14.70% |
| BCI GROUP, INC.3 Filed as: BCI | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 2.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $57K | $9K | $66K | 14.74% |
| BCI GROUP, INC.3 Filed as: BCI | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $44K | $7K | $51K | 13.19% |
| BCI GROUP, INC.3 Filed as: BCI | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 1.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $16K | $1K | $17K | 10.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $13K | $573 | $14K | 10.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | VISION SERVICE PLAN | $13K | — | $13K | 9.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $595 | $7K | 10.91% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH RAOD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 1.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $742 | $4K | 18.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 3.57% |
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 | 1,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 44 | $536K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 17 | $290K |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,263 | $424K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,912 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 369 | $448K |
| Long-term disability | STANDARD INSURANCE COMPANY | 645 | $541K |
| Prescription drug(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 44 | $536K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 1,913 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,913 | — |
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.