| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N. FRANKLIN ST., SUITE 20 SYRACUSE, NY 13204 | GUARDIAN | $83K | $21K | $104K | 7.08% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | P.O. BOX 21545 EAGAN, MN 55121 | GUARDIAN | $13K | — | $13K | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | GUARDIAN | $10K | — | $10K | 0.68% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC. | 600 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN | -$225 | — | -$225 | -0.02% |
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 | 20,119 | 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) | 20,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 71 | $368K |
| Dental | BLUE CROSS BLUE SHIELD OF HAWAII | 71 | $349K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 71 | $368K |
| Life insurance | GUARDIAN | 20,049 | $1.5M |
| Short-term disability | GUARDIAN | 20,049 | $1.5M |
| Long-term disability | GUARDIAN | 20,049 | $1.5M |
| Other | GUARDIAN | 20,049 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,049 | — |
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.