| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $232K | $79K | $310K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $54 | $144K | 1.60% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SW PARKWAY, BUILDING 2 SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $0 | $78K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29K | $29K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET, SUITE 900 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.20% |
| SALVADORE R SALVO3 Filed as: SALVADORE R. SALVO | 4 CAMPUS DRIVE PARSNIPPANY, NJ 07054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $15K | $0 | $15K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 9.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVENUE CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 5.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVENUE SAINT LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE SAINT LOUIS, MO 63131 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $69K | $0 | $69K | 11.90% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 7.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $7K | $0 | $7K | 3.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $6K | $2K | $7K | 3.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE SAINT LOUIS, MO 63131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN SAINT LOUIS, MO 63102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $746 | $0 | $746 | 3.51% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 13014 | AXIS INSURANCE COMPANY | $0 | $1K | $1K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE SAINT LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | $0 | $18 | 6.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN SAINT LOUIS, MO 63102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | $0 | $10 | 3.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3525 PIEDMONT ROAD NE, SUITE 600 ATLANTA, GA 30305 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $470K | $0 | $470K | — |
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 | 8,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 20 | $158K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $21K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 15,075 | $610K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,586 | $9.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,586 | $9.0M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,586 | $9.6M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 20 | $136K |
| Other(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,586 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,075 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.