| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $64K | $64K | 3.60% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF COLORADO, INC. | 1125 17TH STREET, SUITE 1710 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $53K | $0 | $53K | 2.98% |
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 | 13,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $17K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $17K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 9,766 | $542K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 13,178 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 13,178 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,178 | $1.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $17K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 22,145 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,145 | — |
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.