| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA ST STE 800 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 10.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 7.16% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 6.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 13.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 9.09% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 7.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 24.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 15.90% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 12.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 10.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 5.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.14% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | — | $29K | 71.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 19 | $260K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 19 | $140K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 771 | $180K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 714 | $237K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 135 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 714 | $30K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 19 | $260K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 714 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.