| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513K | $0 | $513K | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $126K | $126K | 2.07% |
| BUSINESSLOVER.COM INC3 Filed as: BUSINESSLOVER INC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $9K | — | $9K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE NEW YORK, NY 10177 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $7K | $0 | $7K | 15.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES -ED. | 111 JOHN STREET, SUITE 750 NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $7K | $7K | 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 | 8,930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 275 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 35 | $489K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,346 | $971K |
| Vision | VISION SERVICE PLAN | 6,339 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,537 | $6.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,537 | $6.1M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 35 | $367K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,537 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,537 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.