| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PA INC | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $56K | $106K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 191788852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
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 | 21,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,034 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 140 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 3 | $58K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 21,059 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,489 | $7.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,059 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,059 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANENTE | 53 | $345K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,489 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,489 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.