| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $74K | $43K | $117K | 5.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $38K | $40K | $78K | 7.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $36K | — | $36K | 5.33% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP GROUP SE LLC COVALA | 1 EXCHANGE PLZ STE 701 NEW YORK, NY 100063707 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 33.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.21% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $774 | $774 | 2.39% |
| THE D B L CENTER LTD3 Filed as: D B L CENTER, LTD | 555 BROADHOLLOW RD SUITE 271 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $111 | $7 | $118 | 14.08% |
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 | 4,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF HAWAII | 14 | $66K |
| Vision | AETNA LIFE INSURANCE COMPANY | 6,538 | $513K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,193 | $2.1M |
| Long-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 3,276 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 3,578 | $666K |
| Other(6 contracts, 6 carriers) | HYATT LEGAL PLANS | 9,246 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,246 | — |
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.