| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $238K | $238K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERES WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | NY LIFE GROUP BENEFIT SOLUTIONS | — | $63K | $63K | 1.21% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | NY LIFE GROUP BENEFIT SOLUTIONS | — | $5K | $5K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON PUERTO RICO | — | MAPFRE HEALTH | $5K | — | $5K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH & LIFE INS CO | $4K | — | $4K | 8.52% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURACE COMPANY | $181 | — | $181 | 0.57% |
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 | 32,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 495 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 827 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 137 | $2.2M |
| Dental | CIGNA HEALTH & LIFE INS CO | 5 | $46K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 30,019 | $1.8M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 37,660 | $10.6M |
| Long-term disability | NY LIFE GROUP BENEFIT SOLUTIONS | 0 | $5.3M |
| Prescription drug | KAISER PERMANENTE | 61 | $310K |
| Other(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 37,660 | $16.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,660 | — |
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.