| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $13K | $13K | 4.01% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $146 | $19K | 8.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.22% |
| VERITY, IBA3 | PO BOX 2437 MOUNT PLEASANT, SC 29465 | LEGALPLANS, USA | $0 | $29 | $29 | 6.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP DREYFUSS AND BRIKE, LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | LEGALPLANS, USA | $0 | $13 | $13 | 3.12% |
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 | 1,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 120 | $575K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,270 | $112K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,827 | $327K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,827 | $327K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,827 | $327K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 120 | $575K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,827 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,270 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.