| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $230K | $0 | $230K | 8.49% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $742 | $742 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $8K | — | $8K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | -$2 | — | -$2 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $73 | $60K | 18.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $53 | $10K | 3.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $517 | $517 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $442 | $442 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $8 | $8 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78746 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $17K | — | $17K | 20.00% |
| GAVIN TOMA3 | 220 SOUTH KING STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 2.93% |
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 | 5,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 12 | $43K |
| Vision | VISION SERVICE PLAN | 3,651 | $363K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,035 | $2.7M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,035 | $2.7M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,035 | $2.7M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 12 | $43K |
| Other(5 contracts, 5 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,622 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,622 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.