| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING INC | 201 SPYGLASS RD DOTHAN, AL 36305 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $31 | $16K | 3.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $711 | $4K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | C/O JP MORGAN CHASE 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | — | $5K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE NORTH FLOOR 7, SUITE 725 BIRMINGHAM, AL 35203 | MADISON NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 14.49% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 2101 6TH AVE. NORTH BIRMINGHAM, AL 35203 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $31 | $9K | 16.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $157 | $2K | 4.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSE INC | C/O JP MORGAN CHASE 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $537 | $537 | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $31 | $6K | 16.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $123 | $2K | 4.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | C/O JP MORGAN CHASE 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $399 | $399 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $31 | $6K | 16.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $108 | $1K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | C/O JP MORGAN CHASE 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $367 | $367 | 1.04% |
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 | 1,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 85 | $617K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $680K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $663K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $476K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 93 | $61K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $476K |
| Prescription drug | ISLAND HOME INSURANCE COMPANY | 37 | $187K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,767 | — |
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.