| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO INSUR | 2300 CONTRA COSTA BLVD STE 375 PLEASANT, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $165K | $165K | 1.17% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO INSUR | 3500 LENOX RD NE STE 1600 ATLANTA, GA 303264236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | — | $71K | 5.26% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF FLORIDA TAMPA | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 11.50% |
| EVELYN H COTTLE3 | PO BOX 632886 CINCINNATI, OH 452632886 | TRIPLE S SALUD, INC. | $7K | — | $7K | 5.00% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR. ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.29% |
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 | 19,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 678 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 345 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 531 | $4.4M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,765 | $15.8M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,818 | $3.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $530K |
| Prescription drug | TRIPLE S SALUD, INC. | 25 | $140K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,818 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,765 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.