| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $3K | $39K | 14.99% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING | 20 STANWIX STREET, SUITE 401 PITTSBURGH, PA 15222 | AXIS INSURANCE COMPANY | $8K | — | $8K | 45.00% |
| DENNIS C WONG3 Filed as: MR. DENNIS WONG | 1174-B WAINIHA STREET HONOLULU, HI 96825 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $133 | — | $133 | 3.37% |
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 | 2,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 1 | $4K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 1 | $4K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 3,254 | $216K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,581 | $267K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,581 | $263K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 1 | $4K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,581 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.