| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $62K | $62K | 3.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | SIERRA HEALTH AND LIFE | $67K | $0 | $67K | 4.93% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH, LLC | UNKNONW IRVING, TX 75062 | COMBINED INSURANCE | $57K | $0 | $57K | 18.62% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | UNKNOWN IRVING, TX 75062 | COMBINED INSURANCE | $9K | $0 | $9K | 2.79% |
| STEVE RADD3 | UNKNOWN IRVING, TX 75062 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | UNKNOWN IRVING, TX 75062 | COMBINED INSURANCE COMPANY OF AMERICA | $96 | $0 | $96 | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE, LLC | UNKNOWN IRVING, TX 75062 | COMBINED INSURANCE COMPANY OF AMERICA | $64 | $0 | $64 | 0.06% |
| NATIONAL BENEFIT PLANS, LTD.3 Filed as: NATIONAL BENEFIT PLANS LIMITED | 11550 INTERSTATE 10 WEST, SUITE 293 SAN ANTONIO, TX 78230 | LEGAL ACCESS PLANS, LLC | $24K | $0 | $24K | 35.00% |
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 | 8,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 267 | $5.4M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 23 | $1.3M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 5,406 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,882 | $2.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,882 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,882 | $1.9M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 267 | $5.4M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,882 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,882 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.