| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 0.64% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $19K | $39K | 1.31% |
| ASSOC INSURERS AGCY3 | GALLERIA TOWERS 1447 YORK ROAD #501 LUTHERVILLE, MD 21093 | 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 | $233K |
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 | 8,281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 11 | $61K |
| Dental | HAWAI'I MEDICAL SERVICE ASSOCIATION | 11 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 14,121 | $620K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,500 | $4.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,207 | $2.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,207 | $2.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,752 | $524K |
| Other | HARTFORD LIFE & ACCIDENT CO. | 7,837 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,500 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.