| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $222K | — | $222K | 9.22% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111K | — | $111K | 4.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | P.O. BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 0.38% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | P.O. BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $5K | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD SUITE 150 LAS VEGAS, NV 891132201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.11% |
| ROBYN L PIPER3 | 12520 HIGH BLUFF RD SAN DIEGO, CA 92130 | COMBINED INSURANCE COMPANY OF AMERICA | $244K | — | $244K | 19.65% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK AVE SUITE 200 HUNT VALLEY, MD 21030 | COMBINED INSURANCE COMPANY OF AMERICA | $185K | — | $185K | 14.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GESSNER RD SUITE 700 HOUSTON, TX 77024 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.11% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 900 N FRANKLIN ST SUITE 600 CHICAGO, IL 60610 | COMBINED INSURANCE COMPANY OF AMERICA | $271 | — | $271 | 0.02% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | VISION SERVICE PLAN | $39K | — | $39K | 9.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN UNSRUANCE OF NEVADA | P.O. BOX 743171 LOS ANGELES, CA 900040934 | VISION SERVICE PLAN | $4K | — | $4K | 0.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $29K | — | $29K | 8.40% |
| ROBIN L PIPER3 Filed as: ROBIN PIPER | 2300 W. SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | EYEMED VISION CARE | $6K | — | $6K | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | BROWN AND BROWN INSURANCE OF NEVADA LOS ANGELES, CA 900743171 | EYEMED VISION CARE | $3K | — | $3K | 0.79% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $8K | $36K | 11.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $126 | — | $126 | 6.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | BROWN AND BROWN INSURANCE OF NEVEDA LOS ANGELES, CA 900743171 | EYEMED VISION CARE | $40 | — | $40 | 1.99% |
| ROBYN PIPER3 | 2300 W. SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | EYEMED VISION CARE | $24 | — | $24 | 1.19% |
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 | 6,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 21,093 | $10.0M |
| Vision(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,156 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 20,707 | $1.7M |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 5,889 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,318 | $304K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 883 | $9.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,071 | $2.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,093 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,093 | — |
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.