| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $293K | $216K | $508K | 3.47% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 606949300 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160K | — | $160K | 10.03% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 0.02% |
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 2.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $56K | $4K | $60K | 10.85% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.72% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS OF PR | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 00919 | TRIPLE-S SALUD, INC. | $26K | — | $26K | 5.00% |
| 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. | $4K | — | $4K | 15.00% |
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 | 122,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,764 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,678 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD OF HAWAII | 970 | $1.9M |
| Dental | TRIPLE-S SALUD, INC. | 133 | $521K |
| Vision | VISION SERVICE PLAN | 29,935 | $3.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 52,484 | $14.6M |
| Short-term disability | TRIPLE-S VIDA, INC. | 175 | $24K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 52,484 | $14.6M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION BLUE CROSS BLUE SHIELD OF HAWAII | 461 | $1.8M |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 57,000 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,000 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.