| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $752K | $3K | $755K | 12.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $273K | $99K | $372K | 6.06% |
| RICHARD BRUCE JR MONAHAN3 Filed as: RICHARD BRUCE JR. MONAHAN | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $203K | $0 | $203K | 4.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $80K | $22K | $103K | 5.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | ONE BEACON STREET BOSTON, MA 02109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82K | $0 | $82K | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | ONE BEACON STREET, SUITE 1700 BOSTON, MA 02108 | VISION SERVICE PLAN | $84K | $0 | $84K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $21K | $21K | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | HAWAII MEDICAL SERVICE ASSOCIATION | $17K | $0 | $17K | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 BEACH STREET DAYTONA BEACH, FL 32114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BEN. ADVISOR, LLC | ONE BEACON STREET, SUITE 1700 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 10.76% |
| MORRIS & BOYLE3 Filed as: MORRIS AND BOYLE | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $22K | $76K | 17.92% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 3390 PEACHTREE ROAD NE, SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | -$79 | $17K | 4.09% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $12K | $12K | 2.88% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $955 | $5K | $6K | 1.31% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| DAPHNE AILEEN CLINE-BOYLE3 | 3697 MOUNT DIABLO, SUITE 100 LAFAYETTE, CA 94549 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 0.04% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | MUTUAL OF OMAHA INSURANCE COMPANY | $54K | $0 | $54K | 69.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 2.00% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 75.00% |
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 | 11,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 105 | $654K |
| Dental | HAWAII DENTAL SERVICE | 122 | $59K |
| Vision | VISION SERVICE PLAN | 7,312 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,585 | $6.1M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 11,585 | $3.1M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 105 | $654K |
| Other(6 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,585 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,585 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.