| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 28025 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $363K | — | $363K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $40K | $40K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $91K | $91K | 1.16% |
| VISION SERVICE PLAN3 Filed as: VISION SERVICE PLAN INSURANCE CO | 3333 QUALITY DRIVE MAIL STOP 229 RANCHO CORDOVA, CA 95670 | ENVOLVE VISION, INC. | — | $306K | $306K | 6.94% |
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 | 41,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 583 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NET | 5,484 | $102.3M |
| Dental(2 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 22 | $130K |
| Vision(3 contracts, 2 carriers) | ENVOLVE VISION, INC. | 43,828 | $4.5M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 54,796 | $11.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 54,630 | $7.8M |
| Prescription drug(2 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 22 | $130K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 30,019 | $890K |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 54,796 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,796 | — |
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.