| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 6.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 1.41% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE & ACCIDENT | $44K | — | $44K | 6.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE & ACCIDENT | $10K | — | $10K | 1.40% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P/O. BOX 202617 DALLAS, TX 753202617 | SECURIAN LIFE INSURANCE COMPANY | $40K | $14K | $54K | 8.82% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | MINNESOTA LIFE INSURANCE COMPANY | $36K | $13K | $49K | 8.76% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | SECURIAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 8.81% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 8.77% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | SECURIAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 8.79% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | MINNESOTA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.01% |
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 | 4,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION (HMSA) | 29 | $339K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,671 | $810K |
| Vision | VISION SERVICE PLAN | 3,012 | $542K |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,626 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,907 | $792K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 3,342 | $731K |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,680 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,680 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.