| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $276K | $156K | $432K | 5.17% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $286K | $286K | 4.59% |
| WILLIS TOWERS WATSON US LLC3 | 233 S. WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $119K | $119K | 1.91% |
| VISION SERVICE PLAN3 Filed as: VISION SERVICE PLAN INSURANCE CO | 3333 QUALITY DRIVE MAIL STOP 229 RANCHO CORDOVA, CA 95670 | ENVOLVE VISION, INC. | — | $296K | $296K | 7.90% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 5.43% |
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 | 40,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 514 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NET | 5,655 | $94.2M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 17 | $143K |
| Vision(2 contracts, 2 carriers) | ENVOLVE VISION, INC. | 46,627 | $3.9M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 110,862 | $8.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 39,837 | $6.2M |
| Prescription drug(2 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 17 | $212K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 28,197 | $1.3M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 110,862 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110,862 | — |
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."
No prospect flags tripped on this filing.