| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURNCE COMPANY | $36K | $0 | $36K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.08% |
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 | 2,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 29 | $181K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 29 | $181K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,592 | $396K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURNCE COMPANY | 2,188 | $914K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURNCE COMPANY | 2,188 | $733K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 29 | $181K |
| Other | LINCOLN NATIONAL LIFE INSURNCE COMPANY | 2,188 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,188 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.