| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 1.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 8300 NORMAN CENTER DRIVE SUITE 1000 MINNEAPOLIS, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 0.73% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $70K | $11K | $81K | 8.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $24K | $6K | $31K | 3.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 8300 NORMAN CENTER DRIVE SUITE 1000 MINNEAPOLIS, MN 55437 | UNUM INSURANCE COMPANY | $13K | $3K | $16K | 1.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 956012 ST. LOUIS, MO 63195 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 5.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1926 CHICAGO, IL 60675 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $926 | $926 | 0.88% |
| LOCKTON COMPANIES, LLC3 | 7650 EDINBOROUGH WAY SUITE 100 EDINA, MN 55435 | METROPOLITAN GENERAL INSURANCE COMPANY | $882 | $0 | $882 | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $331 | $331 | 0.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $265 | $265 | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET, SUITE 900 CHICAGO, IL 60601 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $61 | $61 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
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 | 5,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 7 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,869 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,869 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,869 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,869 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.