No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 CLAIM ADMIN. PROVIDER | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $3.9M |
| LINCOLN NATIONAL LIFE INS. COMPANY EIN 35-0472300 ADMIN. SVCS PROVIDER | Claims processing; Insurance services Service code 12 | — | $180K |
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 | 4,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 888 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $10K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,794 | $616K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,270 | $6.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,270 | $6.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,753 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,753 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.