| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $252K | $34K | $286K | 5.47% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGICS INC. | — | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $12K | — | $12K | 5.54% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHEILD EIN 31-1440175 NONE | Claims processing; Other services Service code 12 | — | $6.6M |
| MATRIX INTEGRATED PSYCHOLOGICAL SER EIN 77-0493584 NONE | Other services Service code 49 | — | $708K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Other services Service code 12 | — | $371K |
| CATAMARAN EIN 36-4049815 NONE | Claims processing Service code 12 | — | $360K |
| BRIGHT HORIZONS EIN 04-2949680 NONE | Claims processing Service code 12 | — | $327K |
| THE VITALITY GROUP EIN 45-0644624 NONE | Other services Service code 49 | — | $122K |
| JP MORGAN CHASE BANK, NA | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| JPMORGAN CHASE BANK, NA EIN 13-4994650 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $5K |
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 | 22,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 22,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD | 115 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 30 | $129K |
| Vision | VISION SERVICE PLAN | 10,596 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,329 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,615 | $349K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17,244 | $5.3M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD | 115 | $880K |
| Other | ARAG INSURANCE COMPANY | 1,328 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,329 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.