| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10168 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72K | — | $72K | 5.41% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 18.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $2K | $2K | 3.23% |
| AGNES D. NINES3 Filed as: AGNES NINES | 31 EAST BUTLER AVENUE, 1ST FLOOR AMBLER, PA 19002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $450 | $546 | 0.73% |
| PAUL J. CONNOLLY3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $431 | $431 | 0.58% |
| ERIC LEVY3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.46% |
| JEFFREY JOSEPH JONES3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10168 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.40% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $184 | $2K | 17.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $324 | $243 | $567 | 6.29% |
| ALLIANT INSURANCE SERVICES, INC. | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $436 | $436 | 4.84% |
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 | 2,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $1K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 995 | $192K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,588 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,588 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,588 | $1.3M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $1K |
| Other(6 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,588 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,588 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.