| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.25% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $19K | $19K | 22.28% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 12.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $468 | $2K | 2.84% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.98% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.41% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 12.57% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IA 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $980 | $369 | $1K | 3.05% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $78 | $78 | 2.52% |
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 | 3,270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 153 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 277 | $50K |
| Vision | VISION SERVICE PLAN | 745 | $79K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,699 | $227K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 590 | $173K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $46K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 153 | $841K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 1,023 | $1.3M |
| Other(10 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,699 | $806K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,699 | — |
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.