| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE 360 INSURANCE SOLUTIONS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $193K | $0 | $193K | 21.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $77K | $77K | 8.64% |
| ALLIANCE 360 INSURANCE SOLUTIONS3 | 10833 VALLEY VIEW ST STE 550 CYPRESS, CA 90630 | CIGNA | $19K | $9K | $28K | 14.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA | $0 | $9K | $9K | 4.97% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 906305056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.08% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 906305056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.05% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 906305056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.00% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 906305056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $448 | $0 | $448 | 6.00% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 906305056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| NORIKAZU NISHIDA3 | 10833 VALLEY VIEW STREET, SUITE 550 CYPRESS, CA 90630 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $345 | $0 | $345 | 12.99% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $1.1M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION (HMSA) | 235 | $398K |
| Vision | CIGNA | 235 | $187K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $93K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION (HMSA) | 23 | $211K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.