| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $142 | $20K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SIRIUS AMERICA INSURANCE COMPANY | $9K | $0 | $9K | 5.05% |
| VERITY, IBA3 | PO BOX 2437 MOUNT PLEASANT, SC 29465 | LEGALPLANS, USA | $66 | $0 | $66 | 7.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP DREYFUSS & BRIKE, LTD | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | LEGALPLANS, USA | $28 | $0 | $28 | 2.97% |
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 | 1,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 128 | $670K |
| Vision | VISION SERVICE PLAN | 1,175 | $81K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,053 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,053 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,053 | $1.2M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 128 | $670K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,053 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,053 | — |
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.