| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES IN | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $275K | — | $275K | 10.57% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $67K | $67K | 2.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 304 PITTSBURGH, PA 15233 | AVALON INSURANCE COMPANY | $85K | — | $85K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | SAGEWELL PARTNERS 1501 REEDSDALE ST., STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | $25K | $88K | 7.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | SAGEWELL PARTNERS 1501 REEDSDALE ST., STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $17K | $52K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | SAGEWELL PARTNERS 1501 REEDSDALE ST., STE. 403 PITTSBURGH, PA 15233 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $245 | $2K | 4.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | SAGEWELL PARTNERS 1501 REEDSDALE ST, STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $607 | $311 | $918 | 6.05% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $645 | — | $645 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.2M |
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 | 6,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 60 | $685K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $148K |
| Vision | HM LIFE INSURANCE COMPANY | 8,941 | $463K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,356 | $2.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,121 | $859K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,387 | $1.3M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 5,166 | $1.7M |
| Other(7 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,110 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,110 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.