| 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 | $17K | — | $17K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.15% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 15.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 6.85% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $18K | — | $18K | 19.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 8.18% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $24K | — | $24K | 26.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 11.18% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS DBA PEC | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 16.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 6.93% |
| 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 | 14.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $32K | — | $32K | 75.15% |
| 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 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $372 | $372 | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $237 | $237 | 0.94% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 15 | $131K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 15 | $131K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 808 | $173K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 730 | $262K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 127 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 730 | $28K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 15 | $131K |
| Other(5 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 730 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.