| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEM 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322K | — | $322K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $314K | — | $314K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $134K | $134K | 0.69% |
| AMERICAN BNF & COMP SYSTEMS 1013 | PARK AVE 14TH FI NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49K | $49K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $121K | $121K | 0.95% |
| AMERICAN BNFT & COMP SYSTEMS3 Filed as: AMERICAN BNFT & COMP SYSTEMS 101 | PARK AVE 14TH FI NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 0.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | SUITE 900 101 SOUTH HANLEY ST. LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $282 | $282 | 0.75% |
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 | 53,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 444 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,016 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 56,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 2,655 | $27.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55,386 | $19.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54,048 | $12.7M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 379 | $3.1M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 47,735 | $2.2M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55,386 | $19.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.