| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $80K | $80K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $63K | $63K | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N. HASKELL AVE, SUITE 800 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 1.30% |
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 | 14,852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,837 | $28.8M |
| Dental(3 contracts, 3 carriers) | ALPHA DENTAL PROGRAMS, INC. | 28,198 | $820K |
| Vision | VISION SERVICE PLAN | 11,866 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,852 | $13.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,305 | $3.7M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 11 | $115K |
| Other(4 contracts, 4 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 14,852 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,198 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.