| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN THOMAS3 | 1205 S HALLECK ST DEMOTTE, IN 46310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $20K | 3.70% |
| JOHN R THOMAS3 Filed as: JOHN R. THOMAS | 1205 S HALLECK STREET DEMOTTE, IN 46310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $4K | $86K | 16.91% |
| JOHN R THOMAS3 Filed as: JOHN R. THOMAS | 1205 S. HALLECK STREET DEMOTTE, IN 46310 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 10.53% |
| JOHN R THOMAS3 Filed as: JOHN R. THOMAS | 1205 S. HALLECK STREET DEMOTTE, IN 46310 | ARAG SERVICES, LLC | $3K | — | $3K | 9.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | ARAG SERVICES, LLC | $285 | — | $285 | 0.99% |
| JOHN R THOMAS3 Filed as: JOHN R. THOMAS | 1205 S HALLECK STREET DEMOTTE, IN 46310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $820 | $62 | $882 | 11.57% |
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 | 1,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $240K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $240K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,190 | $356K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,653 | $1.0M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 721 | $537K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 721 | $530K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $240K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,653 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.