| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $212K | — | $212K | 2.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 320 WEST 57TH ST NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 0.25% |
| RICHARD J FLEDER3 | 215 E 68 TH STREET APT 6L NEW YORK, NY 10021 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 0.18% |
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 1.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 320 WEST 57TH ST NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.29% |
| RICHARD J FLEDER3 | 215 E 68TH STREET APT 6L NEW YORK, NY 10021 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FLR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $30 | $30 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS OF PR HEWITT INS, INC | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 00919 | TRIPLE-S SALUD, INC. | $29K | — | $29K | 5.00% |
| AON CONSULTING INC3 Filed as: HEWITT INSURANCE, INC. | HATO REY TOWER, SUITE 1800 268 MUNOZ RIVERA SAN JUAN, PR 00919 | TRIPLE-S VIDA, INC. | $2K | — | $2K | 11.08% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | AON CENTER 304 PONCE DE LEON AVENUE SUITE 1000 SAN JUAN, PR 00918 | TRIPLE-S VIDA, INC. | $676 | — | $676 | 3.92% |
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 | 128,522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 976 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,706 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD OF HAWAII | 374 | $1.8M |
| Dental | TRIPLE-S SALUD, INC. | 116 | $585K |
| Vision | VISION SERVICE PLAN | 33,464 | $3.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 54,460 | $10.6M |
| Short-term disability | TRIPLE-S VIDA, INC. | 133 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 54,460 | $10.6M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD OF HAWAII | 374 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 53,622 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,460 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.