| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL ACCOUNT SERVICES4 Filed as: NATIONAL ACCOUNT SERVICES INC. | 11111 SANTA MONICA BLVD. SUITE 1150 LOS ANGELES, CA 90025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296K | — | $296K | 5.25% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | DEPT 2075 PO BOX 29675 PHOENIX, AZ 85038 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $15K | $63K | 1.12% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGICS INC. | — | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $13K | — | $13K | 5.10% |
| NFP INSURANCE SERVICES INC4 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $676 | $676 | 1.25% |
| 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 | — | $487 | $487 | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 31-1440175 NONE | Claims processing; Other services Service code 12 | — | $7.2M |
| MATRIX INTEGRATED PSYCHOLOGICAL SER EIN 77-0493584 NONE | Other services Service code 49 | — | $787K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Other services; Claims processing Service code 12 | — | $445K |
| OPTUMRX, INC. EIN 11-2581812 NONE | Claims processing Service code 12 | — | $436K |
| BRIGHT HORIZONS EIN 04-2949680 NONE | Claims processing Service code 12 | — | $348K |
| THE VITALITY GROUP EIN 45-0644624 NONE | Other services Service code 49 | — | $127K |
| JP MORGAN CHASE BANK, NA | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $24K |
| 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 | 23,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 24,118 | 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 | 146 | $997K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $90K |
| Vision | VISION SERVICE PLAN | 11,297 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 30,047 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,881 | $370K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20,441 | $5.6M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD | 146 | $907K |
| Other | ARAG INSURANCE COMPANY | 1,488 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,047 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.