| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $16 | $14K | 5.41% |
| VIRTUS LLC3 | 4550 W 109TH ST STE 301 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.36% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $322 | $322 | 0.12% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.58% |
| VIRTUS LLC3 | 9800 METCALF AVE STE 500 OVERLAND PARK, KS 66212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | — | $815 | 1.41% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $528 | $528 | 0.91% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 7.77% |
| VIRTUS LLC3 | 4550 W 109TH ST STE 301 OVERLAND PARK, KS 66211 | AMERITAS LIFE INSURANCE CORP. | $931 | — | $931 | 2.23% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.43% |
| VIRTUS LLC3 | 9800 METCALF AVE STE 500 OVERLAND PARK, KS 66212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $599 | — | $599 | 1.56% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $419 | $419 | 1.09% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| VIRTUS LLC3 | 9800 METCALF AVE STE 500 OVERLAND PARK, KS 66212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $559 | — | $559 | 1.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $394 | $394 | 1.07% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.57% |
| VIRTUS LLC3 | 9800 METCALF AVE STE 500 OVERLAND PARK, KS 66212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | — | $466 | 1.42% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $301 | $301 | 0.92% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $354 | — | $354 | 5.40% |
| VIRTUS LLC3 | 4550 W 109TH ST STE 301 LEAWOOD, KS 66211 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $159 | — | $159 | 2.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $96 | — | $96 | 1.46% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $9 | $9 | 0.14% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICES ASSOCIATION | 2 | $19K |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $291K |
| Vision(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 895 | $61K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 523 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 523 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $37K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICES ASSOCIATION | 2 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 523 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
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.