| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | $0 | $3K | 2.90% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTRE #300 PITTSURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $499 | $0 | $499 | 9.69% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $249 | $249 | 4.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $154 | $154 | 2.99% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $537 | $0 | $537 | 14.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $195 | $195 | 5.27% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $179 | $179 | 4.84% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | $0 | $476 | 16.34% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $159 | $159 | 5.46% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $140 | $140 | 4.81% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $365 | $0 | $365 | 14.51% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $148 | $148 | 5.88% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $122 | $122 | 4.85% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTRE #300 PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $159 | $0 | $159 | 10.59% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, STE 310 PITTSBURGH, PA 15220 | RELIANCE STANDARD | $194 | $0 | $194 | 20.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMBERGLEN BLVD BLDG 1 STE 100 AUSTIN, TX 78729 | RELIANCE STANDARD | $47 | $0 | $47 | 4.98% |
| GROUP INSURANCE SRVCS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $47 | $0 | $47 | 4.98% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURGH, FL 33702 | METLIFE LEGAL PLANS | $80 | $0 | $80 | 8.79% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 365 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | METLIFE LEGAL PLANS | $72 | $0 | $72 | 7.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 93201 BLDG 1 ST 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $37 | $37 | 4.07% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89 | $0 | $89 | 16.15% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33 | $33 | 5.99% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30 | $30 | 5.44% |
| NATIONAL BENEFIT, INC.3 Filed as: NATIONAL BENEFIT SERVICES | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $164 | $164 | 38.50% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | — |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 48 | $113K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $7K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 193 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $551 |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $4K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 23 | $102K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.