| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | P.O. BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 7.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 3000 TOWN CENTER, SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | — | $848 | $848 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS. USA INC. | 10 SOUTH WACKER DRIVE, FLOOR 17 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | -$1 | — | -$1 | -0.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | HARTFORD LIFE AND ACCIDENT | -$1 | — | -$1 | -0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $814 | — | $814 | 6.88% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 43 | $186K |
| Dental | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 43 | $186K |
| Vision | VISION SERVICE PLAN | 76 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 248 | $232K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $232K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $232K |
| Prescription drug | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 43 | $186K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 248 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
No prospect flags tripped on this filing.