| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249K | $28K | $277K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 STE 600 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6 | $6 | 0.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $230K | $0 | $230K | 12.00% |
| BENE RE LLC3 | 5217 MONROE ST. STE. B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $153K | $0 | $153K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | RELIASTAR LIFE INSURANCE COMPANY | $153K | $0 | $153K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $18K | $0 | $18K | 8.94% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH RD. WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 2.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HIGHWAY STE. B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $863 | $863 | 0.42% |
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 | 5,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 424 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 24 | $306K |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 10,476 | $7.4M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 10,476 | $7.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,650 | $5.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,650 | $5.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,650 | $5.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,650 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,476 | — |
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.