| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $68K | $36K | $104K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $37K | $20K | $57K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | $55K | — | $55K | 9.01% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP GROUP SE LLC COVALA | 40 WALL ST STE 1304 NEW YORK, NY 100051304 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $6K | $40K | 36.55% |
| 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% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUPSE LLC | 3445 PEACHTREE ROAD NE STE 200 ATLANTA, GA 303261234 | METROPOLITAN LIFE INSURANCE COMPANY | -$126 | — | -$126 | -0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.00% |
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 | 4,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF HAWAII | 15 | $82K |
| Dental | AETNA LIFE INSURANCE COMPANY | 7,394 | $690K |
| Vision | AETNA LIFE INSURANCE COMPANY | 7,394 | $690K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,563 | $1.9M |
| Long-term disability | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 3,293 | $1.1M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,690 | $918K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,246 | $562K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.