| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BRK | 2300 CONTRA COSTA BLVD STE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31K | $31K | 0.25% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BRK | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 1.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 5.22% |
| AON CONSULTING INC3 Filed as: AON HEWITT | ONE LIBERTY PLAZA NEW YORK, NY 10006 | ZURICH AMERICAN INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR. ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.30% |
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 | 17,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 485 | $4.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,974 | $13.7M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,341 | $2.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,341 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,974 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.