| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON US LLC | PO BOX 28852 LOCKBOS 28852 NEW YORK, NY 10087 | THE HARTFORD | — | $73K | $73K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERES WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO OF NA | — | $32K | $32K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $16K | $16K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO OF NY | — | $1K | $1K | 0.67% |
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 | 21,716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 692 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 106 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 5 | $164K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 26,726 | $1.7M |
| Life insurance | THE HARTFORD | 22,589 | $6.4M |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NA | 0 | $3.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANENTE | 54 | $539K |
| Other(4 contracts, 4 carriers) | THE HARTFORD | 22,589 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,726 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.