| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON US LLC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | THE HARTFORD | — | $102K | $102K | 1.44% |
| 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 | — | — | $0 | 0.00% |
| 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 | $284 | — | $284 | 1.15% |
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 | 21,780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 90 | $1.7M |
| Dental | CIGNA HEALTH & LIFE INS CO | 3 | $25K |
| Vision | EYEMED VISION CARE | 27,749 | $1.5M |
| Life insurance | THE HARTFORD | 25,825 | $7.1M |
| Long-term disability | NY LIFE GROUP BENEFIT SOLUTIONS | 0 | $3.8M |
| Prescription drug | KAISER PERMANENTE | 50 | $341K |
| Other(4 contracts, 3 carriers) | THE HARTFORD | 25,825 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,749 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.