| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $264K | $20K | $284K | 15.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203383 DALLAS, TX 75320 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.23% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 1 STATE STREET, FI PLAZA 9 NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.14% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114K | $0 | $114K | 34.74% |
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 | 1,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 58 | $273K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 58 | $273K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,456 | $600K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,569 | $1.8M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,569 | $1.8M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,569 | $1.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 58 | $273K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,569 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,569 | — |
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.