| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $127 | $127 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $51K | $51K | 5.10% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS, INC. | $6K | $0 | $6K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 19800 MACARTHUR BOULEVARD NEWPORT GATEWAY TOWER 1 IRVINE, CA 92612 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 20.00% |
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 | 2,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 20 | $137K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,880 | $1.7M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,039 | $203K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,449 | $991K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,449 | $991K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,449 | $991K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 20 | $137K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,449 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,880 | — |
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."
No prospect flags tripped on this filing.