| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | UPMC HEALTH OPTIONS | $13K | — | $13K | 2.05% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 1132 BISHOP STREET SUITE 1600 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $6K | — | $6K | 4.59% |
| ATLAS INSURANCE AGENCY, INC.3 | 1132 BISHOP STREET SUITE 1600 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $192 | — | $192 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | $8.7M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Contract Administrator Service code 13 | — | $3.0M |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $185K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 100 | $777K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 20,213 | $11.3M |
| Vision | UNIVERSITY HEALTH ALLIANCE | 16 | $136K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 100 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,213 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.