| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28217 | AETNA LIFE INSURANCE CO | $140K | — | $140K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | EMPIRE HEALTHCHOICE HMO, INC. | $11K | — | $11K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | KAISER FOUNDATION HEALTH PLAN INC | $61K | — | $61K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 5.00% |
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 | 5,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 307 | $6.3M |
| Dental | AETNA LIFE INSURANCE CO | 8,270 | $6.1M |
| Vision | VISION SERVICE PLAN | 3,101 | $337K |
| Life insurance | AETNA LIFE INSURANCE CO | 8,270 | $6.1M |
| Short-term disability | AETNA LIFE INSURANCE CO | 8,270 | $6.1M |
| Long-term disability | AETNA LIFE INSURANCE CO | 8,270 | $6.1M |
| Other | AETNA LIFE INSURANCE CO | 8,270 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,270 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.