| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST STE 200 COLUMBUS, OH 43212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $55K | $55K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | 1500 MARKET STREET PHILADELPHIA, PA 19102 | SYMETRA LIFE INSURANCE COMPANY | — | $102K | $102K | 4.55% |
| ROBIN H. ALSTON3 Filed as: ROBIN H ALSTON | PO BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $45K | $11K | $56K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST STE 200 COLUMBUS, OH 43212 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | — | $83K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWWER WATSON MIDWEST | 775 YARD ST STE 200 COLUMBUS, OH 43212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | METLIFE LEGAL PLANS | $50K | — | $50K | 11.12% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.88% |
| REDTAIL LTD3 | 9999 BREWSTER PLACE #100 POWELL, OH 43065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.34% |
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 | 5,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 898 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $19K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $19K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,462 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,218 | $4.4M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $54K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,218 | $8.1M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $19K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,218 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,218 | — |
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."
No prospect flags tripped on this filing.