| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOC INSURERS AGCY3 | PO BOX 43968 BALTIMORE, MD 212360968 | HARTFORD LIFE & ACCIDENT CO. | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC NONE | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $204K |
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 | 7,181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 9 | $65K |
| Dental | HAWAI'I MEDICAL SERVICE ASSOCIATION | 9 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,234 | $486K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,900 | $5.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,336 | $2.8M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 4,990 | $1.3M |
| Other | HARTFORD LIFE & ACCIDENT CO. | 7,158 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,900 | — |
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.