| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FINANCIAL INS. | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.00% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FINANCIAL INS. | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.24% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $462 | $0 | $462 | 1.25% |
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 | 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) | HAWAII MEDICAL SERVICE ASSOCIATION | 6 | $35K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $241K |
| Vision | VISION SERVICE PLAN | 216 | $37K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $241K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $241K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $241K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 6 | $35K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.