| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 6180 CAROL STREAM, IL 60197 | SUN LIFE ASSURANCE COMPANY OF CANADA | $654K | $60K | $714K | 10.59% |
| C AND H FINANCIAL, LLC3 | 200 GLENRIDGE POINT PARKWAY NE SUITE 400 ATLANTA, GA 30342 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | — | $50K | 0.75% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $41K | $41K | 0.61% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | ONE STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $100K | — | $100K | 1.83% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | ONE STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $277K | — | $277K | 19.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 3.67% |
| C AND H FINANCIAL, LLC3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | — | $266 | $266 | 0.02% |
| WILLIAM COLE3 | 647 VIA DE LA VALLE, SUITE 208 SOLONA BEACH, CA 92075 | FOUR EVER LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
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 | 8,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 70 | $407K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 15,724 | $5.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 13,326 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,124 | $6.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,124 | $6.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,124 | $6.7M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 70 | $407K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,124 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,724 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.