| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89K | $89K | 1.47% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72K | $72K | 1.57% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 1.69% |
| ASSOC INSURERS AGCY3 Filed as: ASSOC INSURERS ACGY | GALLERIA TOWERS 1447 YORK ROAD #501 LUTHERVILLE, MD 21093 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $399K |
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 | 9,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 15 | $63K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 15 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 16,516 | $929K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,374 | $6.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,709 | $4.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,709 | $4.6M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 6,949 | $900K |
| Other | HARTFORD LIFE AND ACCIDENT | 8,804 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,374 | — |
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.