| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $164K | $94K | $258K | 6.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81K | $92K | $172K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $13K | — | $13K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $24K | $45K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $117K | $19K | $136K | 19.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $7K | $36K | 13.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $9K | — | $9K | 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 | 28,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 28,555 | $12.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,114 | $1.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 14,701 | $2.4M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,410 | $4.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25,220 | $3.7M |
| Prescription drug(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,266 | $11.6M |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28,555 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,555 | — |
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.