| 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 | $86K | $0 | $86K | 5.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $0 | $161 | $161 | 0.08% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 18.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $4K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $767 | $4K | 5.09% |
| ERIC LEVY3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 0.38% |
| JEFFREY JOSEPH JONES3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.05% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $302 | $2K | 19.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $340 | $284 | $624 | 5.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $466 | $24 | $490 | 4.42% |
| AGNES D. NINES3 | 31 EAST BUTLER AVENUE, 1ST FLOOR AMBLER, PA 19002 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $69 | $0 | $69 | 0.62% |
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 | 2,986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $14K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 950 | $205K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,417 | $1.6M |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,417 | $1.7M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $14K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,417 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,417 | — |
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.