| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6300 BRIDGPOINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SE, SUITE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.40% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $637 | $4K | 10.36% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 20 SOUTH KING STREET LEESVILLE, VA 20175 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $19 | $195 | 0.55% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE INC | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.43% |
| RYAN WARE3 | 11632 REGAL ROCK PLACE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DRIVE LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $155 | $0 | $155 | 31.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 3.89% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE INC | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 1.02% |
| RYAN WARE3 | 11632 REGAL ROCK PLACE LAS VEGAS, NV 89138 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.20% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $108K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $108K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 178 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $109K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $109K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $108K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.